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:_Xe^\F]:`iZldjkXeZ\j
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Z`iZldjkXeZ\j# efk fk_\in`j\ [\Xck n`k_ `e k_`j i\gfik fi k_\
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i\e[\i Xep Xdflek jkXk\[ `e k_\ ÔeXeZ`Xc jkXk\d\ekj
d`jc\X[`e^%
Directors’ Report
For The Year Ended 31 December 2009
Items Of An Unusual Nature
Share Capital
The results of the operations of the Group and of the Bank for
the financial year were not, in the opinion of the Directors,
substantially affected by any item, transaction or event of a
material and unusual nature.
There were no changes in the issued and paid-up capital of the
Bank during the financial year.
Directors Of The Bank
Directors who served since the date of the last report are:
Jonathan Christian Larsen
Sanjeev Nanavati
Tan Sri Dato’ Hj. Omar Bin Ibrahim
Dato’ Syed Sidi Idid Bin Syed Abdullah Idid
Dato’ Siow Kim Lun @ Siow Kim Lin
Piyush Gupta (resigned on 3 September 2009)
Directors’ Interests
The interests in the shares and options of the Bank and of its related corporations of those who were Directors at year end as
recorded in the Register of Directors’ Shareholdings are as follows:
Number of ordinary shares of USD1 each
At
At
1.1.2009
Bought
Sold
31.12.2009
Shares in Citigroup Inc.
Sanjeev Nanavati
Jonathan Christian Larsen
Dato’ Siow Kim Lun @ Siow Kim Lin
5,619
93,926
-
43,623
180,185
6,000
-
49,242
274,111
6,000
Number of ordinary shares of USD1 each
At
At
1.1.2009
Granted
Vested
1.12.2009
Capital Accumulation Program/
Supplementary CAP/SEA in Citigroup Inc.
Sanjeev Nanavati
16,384
15,411
(5,138)
26,657
Number of options over ordinary shares
of USD1 each
At
At
1.1.2009
Granted
Forfeited
31.12.2009
Stock Option Plan in Citigroup Inc.
Sanjeev Nanavati
Jonathan Christian Larsen
10,113
45,979
62,977
393,131
(1,527)
(14,000)
71,563
425,110
Other than as disclosed above, none of the Directors in office at the end of the financial year had any interest in shares and
options of the Bank and of its related corporations.
Citibank Berhad | 2009 Annual Report
There has not arisen in the interval between the end of the
financial year and the date of this report any item, transaction
or event of a material and unusual nature likely, in the opinion
of the Directors, to affect substantially the results of the
operations of the Group and of the Bank for the current
financial year in which this report is made.
35
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40
Cash and short term funds
Deposits and placements with
banks and other financial
institutions
Securities purchased under
resale agreements
Securities held-for-trading
Securities available-for-sale
Securities held-to-maturity
Loans, advances and financing
Other assets
Statutory deposits with Bank
Negara Malaysia
Deferred tax assets
Investments in subsidiary
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Property, plant and equipment
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3
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12,384,425
10,713,959
12,384,405
4
1,328,452
2,655,452
1,328,452
2,655,452
5
6
7
8
10
2,326,772
5,352,684
7,499
18,497,072
1,066,002
125,771
3,183,108
5,291,218
7,499
19,848,830
2,054,554
2,326,772
5,352,684
7,499
18,497,072
1,066,002
125,771
3,183,108
5,291,218
7,499
19,848,830
2,054,554
11
12
5,200
37,463
508,292
22,503
5,200
37,463
508,292
22,503
13
14
62,664
54,834
20
62,664
20
54,834
39,397,787
46,136,486
39,397,787
46,136,486
15
29,829,083
29,589,640
29,829,083
29,589,640
16
3,694,910
48,010
2,150,482
400,000
9,602,856
42,269
3,146,546
400,000
3,694,910
48,010
2,150,482
400,000
9,602,856
42,269
3,146,546
400,000
36,122,485
42,781,311
36,122,485
42,781,311
KfkXcXjj\kj
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Deposits from customers
Deposits and placements of banks
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Bills and acceptances payable
Other liabilities
Subordinated loan
17
18
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19
121,697
121,697
121,697
121,697
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20
3,153,605
3,233,478
3,153,605
3,233,478
3,275,302
3,355,175
3,275,302
3,355,175
39,397,787
46,136,486
39,397,787
46,136,486
84,500,577
102,128,524
84,500,577
102,128,524
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2,901,805
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22
23
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2,167,803
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24
1,231,641
58,611
555,509
1,218,025
45,210
688,792
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25
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1,952,027
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26
1,076,733
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1,169,906
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27
895,674
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1,038,223
(265,823)
674,225
772,400
554
635
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28
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Net profit for the year
Unrealised net gain on revaluation
of securities available-for-sale
121,697
-
380,303
-
121,697
-
(2,773)
-
-
-
-
At 31 December 2008/1 January 2009
Net profit for the year
Unrealised net loss on revaluation
of securities available-for-sale
Dividend paid
121,697
-
380,303
-
121,697
At 31 December 2009
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29
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1,895,500
772,400
2,394,727
772,400
2,516,424
772,400
66,351
-
66,351
66,351
121,697
-
63,578
-
2,667,900
674,225
3,233,478
674,225
3,355,175
674,225
-
-
(54,098)
-
(700,000)
(54,098)
(700,000)
(54,098)
(700,000)
380,303
121,697
9,480
2,642,125
3,153,605
3,275,302
Note 19
42
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Note 20
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Cash flows from operating activities
Profit before taxation
Adjustments for:
Amortisation of premium less accretion
of discount of securities available-for-sale
Allowance for bad and doubtful debts
(net of write-back)
Reversal of profit equalisation reserve
Depreciation
Dividends from unquoted investment securities
Unrealised loss/(gain) from revaluation of
securities held-for-trading
Gain from disposal of securities available-for-sale
Loss on disposal of property, plant and equipment
Property, plant and equipment written off
Operating profit before changes in operating assets
Changes in working capital:
Deposits and placements with banks
and other financial institutions
Securities purchased under resale agreements
Securities held-for-trading
Loans, advances and financing
Other assets
Statutory deposit with Bank Negara Malaysia
Deposits from customers
Deposits and placements of banks and
other financial institutions
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895,674
1,038,223
895,674
1,038,223
6,871
(8,449)
6,871
(8,449)
181,059
(1,002)
32,468
(25)
131,683
(804)
27,044
(1,719)
181,059
(1,002)
32,468
(25)
131,683
(804)
27,044
(1,719)
17,492
(57,240)
277
-
(23,228)
(19,255)
227
316
17,492
(57,240)
277
-
(23,228)
(19,255)
227
316
1,075,574
1,144,038
1,075,574
1,144,038
1,327,000
125,771
838,844
1,170,699
988,552
503,092
239,443
(1,060,276)
319,698
(1,807,139)
523,700
(820,232)
337,116
918,244
1,327,000
125,771
838,844
1,170,699
988,552
503,092
239,443
(1,060,276)
319,698
(1,807,139)
523,700
(820,232)
337,116
918,244
(5,907,946)
(1,695,897)
(5,907,946)
(1,695,897)
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Cash flows from operating activities (continued)
Changes in working capital: (continued)
Bills and acceptances payable
Recourse obligations on loans sold to Cagamas
Other liabilities
44
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5,741
(919,487)
(54,785)
(423,529)
709,777
5,741
(919,487)
(54,785)
(423,529)
709,777
Cash used in operating activities
Income taxes paid
(552,717)
(292,774)
(1,909,285)
(165,910)
(552,717)
(292,774)
(1,909,285)
(165,910)
Net cash used in operating activities
(845,491)
(2,075,195)
(845,491)
(2,075,195)
25
(43,381)
1,719
(12,522)
25
(43,381)
1,719
(12,522)
2,806
(6,723,143)
260,000
2,328
(8,894,423)
1,422,810
2,806
(6,723,143)
260,000
2,328
(8,894,423)
1,422,810
6,378,738
5,195,426
6,378,738
5,195,426
(124,955)
(2,284,662)
(124,955)
(2,284,662)
Cash flows from investing activities
Dividend from investment securities
Purchase of property, plant and equipment
Proceeds from disposal of property, plant
and equipment
Purchase of securities available-for-sale
Redemption of securities available-for-sale
Proceeds from disposal of securities
available-for-sale
Net cash used in investing activities
Cash flows from financing activity
Dividend paid to shareholders
Net cash used in financing activity
(700,000)
-
(700,000)
-
(700,000)
-
(700,000)
-
Net decrease in cash and cash equivalents
(1,670,446)
(4,359,857)
(1,670,446)
(4,359,857)
Cash and cash equivalents at 1 January
12,384,425
16,744,282
12,384,405
16,744,262
Cash and cash equivalents at 31 December
(Note 3)
10,713,979
12,384,425
10,713,959
12,384,405
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n_\ek_\`i]X`imXcl\`je\^Xk`m\%
_\9Xeb\ek\ij`ekf[\i`mXk`m\kiXejXZk`fej]fikiX[`e^
K
Xe[ _\[^`e^ gligfj\j% =X`i mXcl\ Z_Xe^\j ]fi Xcc
ÔeXeZ`Xc [\i`mXk`m\j Xi\ i\Zf^e`j\[ `e k_\ `eZfd\
jkXk\d\ekXgXik]ifd[\i`mXk`m\kiXejXZk`fejk_Xkd\\k
k_\ jg\Z`ÔZ Zi`k\i`X ]fi _\[^\ XZZflek`e^ f] n_`Z_ k_\
>iflg Xggc`\j \`k_\i ZXj_ Õfn fi ]X`i mXcl\ _\[^\
XZZflek`e^#n_\i\Xggc`ZXYc\%
8k k_\ k`d\ X ÔeXeZ`Xc `ejkild\ek `j [\j`^eXk\[ Xj X
_\[^\# k_\ >iflg ]fidXccp [fZld\ekj k_\ i\cXk`fej_`g
:`k`YXeb9\i_X[s)''08eelXcI\gfik
iXk\ f] i\klie ]fi j`d`cXi j\Zli`k`\j% K_\ Xdflek f]
`dgX`id\ek cfjj `j i\Zf^e`j\[ `e k_\ `eZfd\
jkXk\d\ek Xe[ jlZ_ `dgX`id\ek cfjj\j Xi\ efk
i\m\ij\[jlYj\hl\ekkf`kji\Zf^e`k`fe%
51
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)% J`^e`]`ZXekXZZflek`e^gfc`Z`\jZfek`el\[
k%
;\i`mXk`m\]`eXeZ`Xc`ejkild\ekjXe[_\[^\XZZflek`e^
Zfek`el\[
Y\kn\\e k_\ _\[^`e^ `ejkild\ek Xe[ k_\ _\[^\[ `k\d#
`eZcl[`e^ k_\ eXkli\ f] k_\ i`jbj kf Y\ _\[^\[ Xe[ k_\
d\k_f[ lj\[ kf Xjj\jj _\[^\ \]]\Zk`m\e\jj% K_\ >iflg
_Xj X[fgk\[ ]X`i mXcl\ _\[^\ XZZflek`e^ ]fi `kj ]`o\[
iXk\Z\ik`]`ZXk\jXjn\ccXjZ\ikX`e]`o\[iXk\gi`mXk\[\Yk
j\Zli`k`\j`em\jkd\ekj%
=X`imXcl\_\[^\
:`k`YXeb9\i_X[s)''08eelXcI\gfik
=X`i mXcl\ _\[^\j Xi\ _\[^\j X^X`ejk \ogfjli\ kf
Z_Xe^\j `e k_\ ]X`i mXcl\ f] X i\Zf^e`j\[ Xjj\k fi
c`XY`c`kpfiXelei\Zf^e`j\[]`idZfdd`kd\ekk_Xk`j
Xkki`YlkXYc\kfXgXik`ZlcXii`jbXe[Zflc[X]]\Zkgif]`kfi
cfjj%=fihlXc`]p`e^]X`imXcl\_\[^\j#k_\Z_Xe^\j`ek_\
]X`i mXcl\ f] k_\ _\[^`e^ `ejkild\ek Xe[ k_\ _\[^\[
`k\d i\cXk`e^ kf k_\ _\[^\[ i`jbj Xi\ i\Zf^e`j\[ `e k_\
`eZfd\ jkXk\d\ek% @e k_\ \m\ek k_\ _\[^\ ef cfe^\i
d\\kj k_\ Zi`k\i`X ]fi k_\ _\[^\ XZZflek`e^# k_\
X[aljkd\ekkfk_\ZXiip`e^Xdflekf]k_\_\[^\[`k\dj
`jXdfik`j\[kfk_\`eZfd\jkXk\d\ekfm\ik_\\og\Zk\[
c`]\f]k_\_\[^\[`k\d%
*% :Xj_Xe[j_fikk\id]le[j
Cash and balances with banks
and other financial institutions
Money at call and deposit
placements maturing within
one month
52
>iflg
)''0
)''/
IDË'''
IDË'''
9Xeb
)''0
IDË'''
)''/
IDË'''
52,423
92,684
52,403
92,664
10,661,556
12,291,741
10,661,556
12,291,741
10,713,979
12,384,425
10,713,959
12,384,405
+% ;\gfj`kjXe[gcXZ\d\ekjn`k_YXebjXe[fk_\i]`eXeZ`Xc`ejk`klk`fej
Licensed banks
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
1,328,452
2,655,452
,% J\Zli`k`\j_\c[$]fi$kiX[`e^
8k]X`imXcl\
Malaysian Government Treasury Bills
Malaysian Government Securities
Malaysian Government Investment Issues
Bank Negara Malaysia Bills/Notes
Cagamas notes/bonds
Commercial papers
Private debt securities
Khazanah bonds
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
281,595
1,164,350
215,473
645,303
20,051
-
76,675
1,435,639
3,050
1,505,284
1,008
2,025
155,674
3,753
2,326,772
3,183,108
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
-% J\Zli`k`\jXmX`cXYc\$]fi$jXc\
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
Malaysian Government Treasury Bills/
Securities**
Bank Negara Malaysia Bills
Malaysian Government Investment Issues
Khazanah bonds
Private debt securities
Yankee bonds/US bonds
Bonds issued by MDB/MFI*
4,358,871
496,914
74,940
371,157
50,802
3,449,613
793,572
635,543
140,389
41,866
179,618
50,617
5,352,684
5,291,218
! D;9ÆDlck`cXk\iXc[\m\cfgd\ekYXebj
D=@ÆDlck`cXk\iXc]`eXeZ`Xc`ejk`klk`fej
!! DXcXpj`Xe >fm\ied\ek J\Zli`k`\j f] k_\ >iflg Xe[ k_\ 9Xeb Xdflek`e^ kf ID (*' d`cc`fe )''/1 e`c `j lk`c`j\[ kf d\\k
JkXklkfipI\j\im\I\hl`i\d\ekXj]lik_\i\ogcX`e\[`eEfk\( (%
.% J\Zli`k`\j_\c[$kf$dXkli`kp
8kZfjk
Lehlfk\[j\Zli`k`\j1
J_Xi\j
K_\i\`jefdXkli`kpjkilZkli\]filehlfk\[j\Zli`k`\j%
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
7,499
7,499
:`k`YXeb9\i_X[s)''08eelXcI\gfik
8k]X`imXcl\
53
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
/% CfXej#X[mXeZ\jXe[ÔeXeZ`e^
:`k`YXeb9\i_X[s)''08eelXcI\gfik
`%
54
9pkpg\
Overdrafts
Term loans/financing
- housing loans/financing
- hire purchase receivables
- lease receivables
- other term loans/financing
Bills receivable
Trust receipts
Claims on customers under acceptance credits
Staff loans
Credit cards receivables
Revolving credit
Other loans
Share margin financing
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
1,485,375
1,087,949
9,779,054
13,255
8,262
1,485,128
170,880
11,585
624,449
96,164
4,696,169
626,413
94,911
169,573
10,821,082
17,187
12,337
1,436,360
387,469
26,841
710,154
101,094
4,582,263
1,047,071
231,158
140,695
19,261,218
(47,458)
20,601,660
(65,458)
Gross loans, advances and financing
Allowance for bad and doubtful debts
and financing
- General
- Specific
19,213,760
20,536,202
(283,115)
(433,573)
(303,205)
(384,167)
Net loans, advances and financing
18,497,072
19,848,830
Unearned interest and income
``% 9pkpg\f]Zljkfd\i
Domestic non-financial institutions
- others
Domestic business enterprises
- small and medium enterprises
- others
Individuals
Foreign entities
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
212,057
180,725
461,750
1,932,623
16,480,592
126,738
544,508
2,327,833
17,347,185
135,951
19,213,760
20,536,202
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
/% CfXej#X[mXeZ\jXe[ÔeXeZ`e^Zfek`el\[
`m% 9pj\Zkfi
Primary agriculture
Mining and quarrying
Manufacturing (including agriculture based)
Electricity, gas and water
Construction
Wholesale, retail trade, restaurants and hotels
Transport, storage and communication
Finance, insurance, real estate and business services
Education, health and others
Household
- consumption credit
- residential
- purchase of securities
- others
Other sectors
m%
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
900,595
8,792
7,193,540
464,114
17,187
7,666,696
10,655,441
455,392
12,013,438
374,767
19,213,760
20,536,202
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
56,023
4,176
917,639
40,520
38,069
549,779
137,208
632,422
35,061
47,289
12,327
1,343,788
84,996
37,008
665,716
149,504
577,807
22,499
5,616,739
10,378,013
170,427
315,413
322,271
5,434,155
11,412,109
139,872
361,049
248,083
19,213,760
20,536,202
9pgligfj\
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
Purchase of securities
Purchase of landed property
Purchase of fixed assets excluding
land and building
Personal use
Credit card
Construction
Working capital
Other purposes
170,427
11,035,449
140,695
12,085,395
21,517
964,088
4,696,169
26,054
2,300,056
-
73,912
895,248
4,582,263
45,813
2,699,553
13,323
19,213,760
20,536,202
:`k`YXeb9\i_X[s)''08eelXcI\gfik
```% 9p`ek\i\jk&gif]`kiXk\j\ej`k`m`kp
Fixed rate
Housing loans/financing
Hire purchase receivables
Other fixed rate loans/financing
Variable rate
BLR plus
Cost plus
55
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
0% Efe$g\i]fid`e^cfXej&]`eXeZ`e^EGC&EG=
:`k`YXeb9\i_X[s)''08eelXcI\gfik
`%
56
Dfm\d\ekj`ek_\efe$g\i]fid`e^cfXej#X[mXeZ\jXe[]`eXeZ`e^EGC Xi\Xj]fccfnj1
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
At 1 January
Classified as non-performing during the year
Reclassified as performing during the year
Amount recovered
Amount written off
634,146
608,837
(308,748)
(80,348)
(184,068)
689,920
501,420
(232,064)
(181,930)
(143,200)
At 31 December
Specific allowance
669,819
(433,573)
634,146
(384,167)
Net non-performing loans, advances and financing
236,246
249,979
Ratio of net non-performing loans and financing to
gross loans and financing less specific allowance
1.26%
1.24%
fm\d\ekj`ek_\XccfnXeZ\]fiYX[Xe[[flYk]lc[\YkjXe[]`eXeZ`e^XZZflekjXi\Xj]fccfnj1
``% D
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
General allowance
At 1 January
303,205
314,312
Written back during the year
(20,090)
(11,107)
At 31 December
As % of gross loans, advances and financing
less specific allowance
283,115
303,205
1.5%
1.5%
Specific allowance
At 1 January
Allowance made during the year
Amount recovered
Amount written off
384,167
296,150
(64,136)
(182,608)
341,949
248,190
(66,009)
(139,963)
At 31 December
433,573
384,167
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
0% Efe$g\i]fid`e^cfXej&]`eXeZ`e^EGC&EG= Zfek`el\[
Primary agriculture
Mining and quarrying
Manufacturing (including agriculture based)
Construction
Wholesale, retail trade, restaurants and hotels
Transport, storage and communication
Finance, insurance, real estate and business services
Household
- consumption credit
- residential
- purchase of securities
- others
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
149
44,236
14,783
22,610
750
27,610
11
174
43,582
15,542
21,327
1,111
28,362
245,852
267,683
21,035
25,111
210,492
265,771
21,545
26,229
669,819
634,146
('% Fk_\iXjj\kj
Interest/Income receivable
Other debtors, deposits and prepayments
Derivative assets (Note 32)
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
73,128
99,924
217,472
246,312
775,402
1,708,318
1,066,002
2,054,554
((% JkXklkfip[\gfj`kjn`k_9XebE\^XiXDXcXpj`X
_\ efe$`ek\i\jk Y\Xi`e^ jkXklkfip [\gfj`kj Xi\ dX`ekX`e\[ n`k_ 9Xeb E\^XiX DXcXpj`X È9EDÉ `e Zfdgc`XeZ\ n`k_ J\Zk`fe
K
*.( Z f] k_\ :\ekiXc 9Xeb f] DXcXpj`X 8Zk (0,/ i\m`j\[ $ (00+ kf jXk`j]p k_\ JkXklkfip I\j\im\ I\hl`i\d\ek ÈJIIÉ # k_\
Xdflekf]n_`Z_`j[\k\id`e\[XjXj\kg\iZ\ekX^\f]kfkXc\c`^`Yc\c`XY`c`k`\j%
9Xj\[fek_\i\m`j\[JII^l`[\c`e\`jjl\[Yp9ED#k_\JIIiXk\nXji\m`j\[kf( \]]\Zk`m\fe(DXiZ_)''0)''/1*%, %@e
XZZfi[XeZ\ n`k_ 9EDËj Z`iZlcXi k`kc\[ ÈI\^lcXkfip Ki\Xkd\ek i\cXk\[ kf k_\ JkXklkfip I\j\im\ I\hl`i\d\ek @eZ\ek`m\ ]fi
Gi`eZ`gXc;\Xc\ijXe[@jcXd`ZGi`eZ`gXc;\Xc\ijÉ`jjl\[fe('Alcp)''0#k_\9XebY\`e^Xgi`eZ`gXc[\Xc\iXggf`ek\[Yp9ED#`j
Xccfn\[ kf lk`c`j\ DXcXpj`X >fm\ied\ek J\Zli`k`\j ÈD>JÉ _fc[`e^j kf d\\k k_\ JII% 8j Xk *( ;\Z\dY\i )''0# D>J f] k_\
>iflg Xe[ k_\ 9Xeb n`k_ efd`eXc Xdflek f] ID(*' d`cc`fe )''/1 e`c Xi\ lk`c`j\[ ]fi JII [\k\id`eXk`fe gligfj\j% K_\j\
j\Zli`k`\jXi\ZcXjj`Ô\[le[\ij\Zli`k`\jXmX`cXYc\$]fi$jXc\Efk\- %
:`k`YXeb9\i_X[s)''08eelXcI\gfik
```% EGC&EG=Ypj\ZkfiXi\Xj]fccfnj1
57
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
()% ;\]\ii\[kXoXjj\kj
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Dfm\d\ek`ek\dgfiXip[`]]\i\eZ\j[li`e^k_\p\Xi`jXj]fccfnj1
58
>iflg
Xe[9Xeb
Property, plant
and equipment capital allowances
Provisions
Reserves - Available
-for-sale securities
8k
(%(%)''/
IDË'''
I\Zf^e`j\[
`e`eZfd\
jkXk\d\ek
Efk\). IDË'''
I\Zf^e`j\[
`e
\hl`kp
IDË'''
8k
*(%()%)''/
IDË'''
I\Zf^e`j\[
`e`eZfd\
jkXk\d\ek
Efk\). IDË'''
(7,485)
54,793
(1,128)
(1,318)
-
(8,613)
53,475
74
(4,324)
-
(8,539)
49,151
1,026
-
(23,385)
(22,359)
-
19,210
(3,149)
48,334
(2,446)
(23,385)
22,503
(4,250)
19,210
37,463
I\Zf^e`j\[
`e
\hl`kp
IDË'''
KfkXc
IDË'''
\]\ii\[kXoc`XY`c`k`\jXe[Xjj\kjXi\f]]j\kXYfm\Xjk_\i\`jXc\^Xccp\e]fiZ\XYc\i`^_kkfj\kf]]Zlii\ekkXoXjj\kjX^X`ejk
;
Zlii\ekkXoc`XY`c`k`\j%
K_\i\Zf^e`j\[[\]\ii\[kXoXjj\kjXe[c`XY`c`k`\jY\]fi\f]]j\kk`e^ Xi\Xj]fccfnj1
Property, plant and equipment
- capital allowances
Provisions
Mark-to-market on available-for-sale securities
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
(8,539)
49,151
(3,149)
(8,613)
53,475
(22,359)
37,463
22,503
(*% @em\jkd\ekj`ejlYj`[`XipZfdgXe`\j
Unquoted shares at cost – in Malaysia
Details of the wholly owned subsidiaries are as follows:
EXd\f]jlYj`[`Xip
Citigroup Nominee
(Malaysia) Sdn. Bhd.
Citigroup Nominees
(Tempatan) Sdn. Bhd.*
Citigroup Nominees
(Asing) Sdn. Bhd.*
9Xeb
)''0
)''/
IDË'''
IDË'''
20
20
Gi`eZ`gXcXZk`m`kp
:flekipf]
`eZfigfiXk`fe
<]]\Zk`m\
Fne\ij_`g
@ek\i\jk
)''0 )''/
Nominee company
Malaysia
100%
100%
Nominee company
Malaysia
100%
100%
Nominee company
Malaysia
100%
100%
* N_fccpfne\[Yp:`k`^iflgEfd`e\\DXcXpj`X J[e%9_[%
8cc`eZfd\Xe[\og\e[`kli\Xi`j`e^]ifdk_\XZk`m`k`\jf]k_\jlYj`[`Xi`\j_Xm\Y\\ei\Zf^e`j\[`ek_\9XebËj`eZfd\jkXk\d\ek%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
>iflgXe[9Xeb
:fjk
9l`c[`e^fe
c\Xj\_fc[
cXe[
IDË'''
@ejkXccXk`fej
IDË'''
=lie`kli\
Xe[
\hl`gd\ek
IDË'''
KfkXc
IDË'''
At 1 January 2008
Additions
Disposals
Write offs
2,177
-
84,262
2,069
-
214,934
10,453
(5,081)
(1,689)
301,373
12,522
(5,081)
(1,689)
At 31 December 2008/
1 January 2009
Additions
Disposals
2,177
3,700
-
86,331
1,710
-
218,617
37,971
(9,515)
307,125
43,381
(9,515)
At 31 December 2009
5,877
88,041
247,073
340,991
;\gi\Z`Xk`fe
At 1 January 2008
Charge for the year
Disposals
Write offs
1,024
89
-
61,506
10,078
-
166,616
16,877
(2,526)
(1,373)
229,146
27,044
(2,526)
(1,373)
At 31 December 2008/
1 January 2009
Charge for the year
Disposals
1,113
2,531
-
71,584
8,112
-
179,594
21,825
(6,432)
252,291
32,468
(6,432)
At 31 December 2009
3,644
79,696
194,987
278,327
:Xiip`e^Xdflekj
At 1 January 2008
1,153
22,756
48,318
72,227
At 31 December 2008/
1 January 2009
1,064
14,747
39,023
54,834
At 31 December 2009
2,233
8,345
52,086
62,664
:`k`YXeb9\i_X[s)''08eelXcI\gfik
(+% Gifg\ikp#gcXekXe[\hl`gd\ek
59
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
(,% ;\gfj`kj]ifdZljkfd\ij
`% 9pkpg\f][\gfj`k
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Demand deposits
Saving deposits
Fixed deposits
Other deposits
Negotiable instruments of deposit
Others - cash collateral
60
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
8,336,980
1,739,611
9,753,741
9,889,297
93,720
15,734
6,503,772
1,362,883
11,815,011
7,458,233
2,423,850
25,891
29,829,083
29,589,640
``% DXkli`kpjkilZkli\f]Ôo\[[\gfj`kj#fk_\i[\gfj`kjXe[e\^fk`XYc\`ejkild\ekjf][\gfj`kXi\Xj]fccfnj1
Due within six months
Six months to one year
One year to three years
Three years to five years
Over five years
```% 9pkpg\f]Zljkfd\i
Government and statutory bodies
Business enterprises
Individuals
Others
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
13,733,774
4,774,991
989,722
227,007
11,264
12,868,351
4,937,278
1,122,740
141,709
59,962
19,736,758
19,130,040
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
49,716
14,611,909
11,349,112
3,818,346
764,542
10,375,579
12,722,835
5,726,684
29,829,083
29,589,640
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
(-% ;\gfj`kjXe[gcXZ\d\ekjf]YXebjXe[fk_\iÔeXeZ`Xc`ejk`klk`fej
Licensed banks
Licensed finance companies
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
3,694,896
14
9,539,550
63,306
3,694,910
9,602,856
Interest/Profit payable
Other creditors and accruals
Provision for retirement benefits (Note 21)
Profit Equalisation Reserve (Note 38(l))
Taxation
Derivative liabilities (Note 32)
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
66,535
1,233,537
283
23
66,364
783,740
129,234
1,151,609
3,077
1,025
142,943
1,718,658
2,150,482
3,146,546
61
(/% JlYfi[`eXk\[cfXe
Subordinated loan
:`k`YXeb9\i_X[s)''08eelXcI\gfik
(.% Fk_\ic`XY`c`k`\j
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
400,000
400,000
_\ 9Xeb \ek\i\[ `ekf X jlYfi[`eXk\[ cfXe X^i\\d\ek n`k_ :`k`YXeb Fm\ij\Xj @em\jkd\ekj :figfiXk`fe ]fi Xe Xdflek f]
K
ID+'' d`cc`fe% K_\ cfXe nXj [iXne [fne fe (,k_ ;\Z\dY\i )'', Xe[ `j i\gXpXYc\ Xk k_\ \e[ f] k_\ ('k_ p\Xi# Xe[ Y\Xij
`ek\i\jkXkBC@9FI"(g\iXeeldgXpXYc\feXhlXik\icpYXj`j%
K_\hlXc`]p`e^gfik`fef]k_\jlYfi[`eXk\[cfXe`j`eZcl[\[XjK`\i@@ZXg`kXc]fik_\ZXg`kXcX[\hlXZpiXk`fZfdglkXk`fe%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
(0% J_Xi\ZXg`kXc
8dflek
)''0
IDË'''
>iflgXe[9Xeb
EldY\i
f]j_Xi\j
8dflek
)''0
)''/
Ë'''
IDË'''
EldY\i
f]j_Xi\j
)''/
Ë'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Ordinary shares of RM1 each:
62
Authorised
500,000
500,000
500,000
500,000
Issued and fully paid
121,697
121,697
121,697
121,697
)'% I\j\im\j
Share premium
Statutory reserve
Fair value reserve
Retained profits
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
380,303
121,697
9,480
2,642,125
380,303
121,697
63,578
2,667,900
3,153,605
3,233,478
K_\ j_Xi\ gi\d`ld Xifj\ ]ifd k_\ `jjlXeZ\ f] ()(#-0-#0.) fi[`eXip j_Xi\j f] ID( \XZ_ Xk Xe `jjl\ gi`Z\ f] ID +%(), g\i
j_Xi\%
K_\jkXklkfipi\j\im\`jdX`ekX`e\[`eZfdgc`XeZ\n`k_J\Zk`fe*-f]k_\9Xeb`e^Xe[=`eXeZ`Xc@ejk`klk`fej8Zk(0/0Xe[`j
efk[`jki`YlkXYc\XjZXj_[`m`[\e[j%EfkiXej]\ijn\i\dX[\kfk_\jkXklkfipi\j\im\[li`e^k_\p\XiXjk_\9Xeb_Xjd\kk_\
i\j\im\i\hl`i\d\ekj%
K_\]X`imXcl\i\j\im\`j`ei\jg\Zkf]lei\Xc`j\[]X`imXcl\^X`ejXe[cfjj\jfej\Zli`k`\jXmX`cXYc\$]fi$jXc\%
JlYa\Zk kf X^i\\d\ek Yp k_\ @ecXe[ I\m\el\ 9fXi[# k_\ 9Xeb _Xj J\Zk`fe ('/ kXo Zi\[`k Xe[ kXo \o\dgk `eZfd\ kf ]iXeb
Xggifo`dXk\cpID(%0-Y`cc`fef]`kj[`jki`YlkXYc\i\j\im\jXk*(;\Z\dY\i)''0`]gX`[flkXj[`m`[\e[j%
K_\ =`eXeZ\ 8Zk )''. `ekif[lZ\[ X j`e^c\ k`\i ZfdgXep `eZfd\ kXo jpjk\d n`k_ \]]\Zk ]ifd p\Xi f] Xjj\jjd\ek )''/% 8j
jlZ_#k_\J\Zk`fe('/kXoZi\[`kYXcXeZ\XjXk*(;\Z\dY\i)''.n`ccY\XmX`cXYc\kfk_\9Xeblek`cjlZ_k`d\k_\Zi\[`k`j]lccp
lk`c`j\[filgfe\og`ipf]k_\j`o$p\XikiXej`k`feXcg\i`f[fe*(;\Z\dY\i)'(*#n_`Z_\m\i`j\Xic`\i%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\Ôkj
`% I\k`i\d\ekY\e\Ôkj
K_\Xdflekji\Zf^e`j\[`ek_\YXcXeZ\j_\\kjXi\Xj]fccfnj1
Present value of the funded obligation
Fair value of plan assets
Unrecognised past service cost
Unrecognised actuarial loss
Liability recognised in balance sheets
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
34,093
(25,972)
26,926
(18,991)
8,121
(31)
(7,807)
7,935
(56)
(4,802)
283
3,077
K_\>iflgdXb\jZfeki`Ylk`fejkfX]lccp]le[\[[\Ôe\[Y\e\ÔkjZ_\d\]fi`kj\dgcfp\\j%:feki`Ylk`fejkfk_\]le[Xi\
dX[\ kf X j\gXiXk\cp X[d`e`jk\i\[ ]le[% Le[\i k_\ ]le[# \c`^`Yc\ \dgcfp\\j Xi\ \ek`kc\[ kf fe\ Xe[ X _Xc] dfek_ f] k_\
ÔeXc&cXjk[iXnejXcXipdlck`gc`\[Ypk_\GcXej\im`Z\efk`e\oZ\jjf]+'lgfeXkkX`ed\ekf]k_\i\k`i\d\ekX^\f],,%=fi
\dgcfp\\jn_fc\Xm\Y\]fi\k_\XkkX`ed\ekf]k_\i\k`i\d\ekX^\#k_\i\k`i\d\ekY\e\Ôkn`ccY\Zfdglk\[YXj\[fek_\
jZXc\iXk\jk`glcXk\[`ek_\ilc\jf]k_\=le[%
Fe(AXelXip)''.#dXafi`kpf]k_\GcXed\dY\ijËY\e\ÔkjXZZil\[le[\ik_\;\Ôe\[9\e\ÔkGcXen\i\Zfem\ik\[kfk_\
e\n;\Ôe\[:feki`Ylk`feGcXe%Fecpk_fj\jkX]]n_fjXk`jÔ\[k_\Zi`k\i`XY\cfn#n`ccZfek`el\kfY\dX`ekX`e\[le[\ik_\
;\Ôe\[9\e\ÔkGcXe%
X% 8^\XjXk*(;\Z\dY\i)''-1Xkc\Xjk+'p\Xij
Y% P\Xijf]j\im`Z\XjXk*(;\Z\dY\i)''-1Xkc\Xjk,p\Xij
Z% Jldf]X^\Xe[p\Xijf]j\im`Z\XjXk*(;\Z\dY\i)''-1Xkc\Xjk,,p\Xij
GcXeXjj\kjZfdgi`j\1
Equities
Property
Securities
Others
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
7,739
7,661
7,558
3,014
3,266
7,653
6,533
1,539
25,972
18,991
:`k`YXeb9\i_X[s)''08eelXcI\gfik
63
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\ÔkjZfek`el\[
`% I\k`i\d\ekY\e\ÔkjZfek`el\[
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Dfm\d\ek`ek_\gi\j\ekmXcl\f]k_\[\Ôe\[Y\e\ÔkfYc`^Xk`fej1
64
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
Defined benefit obligations at 1 January
Benefits paid by the plan
Current service costs and interest
Actuarial losses
26,926
(1,028)
2,778
5,417
25,282
(2,107)
2,453
1,298
Defined benefit obligations at 31 December
34,093
26,926
Dfm\d\ek`ek_\]X`imXcl\f]gcXeXjj\kj1
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
Fair value of plan assets at 1 January
Contribution paid into the plan
Benefits paid by the plan
Expected return on plan assets
Actuarial gains/(losses)
18,991
4,589
(1,028)
1,293
2,127
21,295
1,145
(2,107)
1,432
(2,774)
Fair value of plan assets at 31 December
25,972
18,991
_\Xdflekji\Zf^e`j\[`ek_\`eZfd\jkXk\d\ekXi\Xj]fccfnj1
K
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
Current service cost
Interest cost
Expected return on plan assets
Net actuarial loss recognised in the year
Prior service cost
1,297
1,481
(1,293)
285
25
1,256
1,197
(1,432)
25
25
Amount included under “personnel costs”
1,795
1,071
Actual return on plan assets
3,420
(1,342)
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\ÔkjZfek`el\[
`% I\k`i\d\ekY\e\ÔkjZfek`el\[
Dfm\d\ekj`ek_\e\kc`XY`c`kpi\Zf^e`j\[`ek_\YXcXeZ\j_\\kjXi\Xj]fccfnj1
Opening net liability as at 1 January
Recommended expenses as above
Contributions paid
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
3,077
3,151
1,795
1,071
(4,589)
(1,145)
283
3,077
Gi`eZ`gXcXZklXi`XcXjjldgk`fejlj\[Xkk_\YXcXeZ\j_\\kj[Xk\\ogi\jj\[Xjn\`^_k\[Xm\iX^\j 1
Discount rate
Rate of increase in salary levels
Expected long-term rate of return on plan assets
Price inflation
>iflgXe[9Xeb
)''0
)''/
5.50%
7.00%
7.00%
3.50%
5.75%
7.00%
7.00%
3.50%
jjldgk`feji\^Xi[`e^]lkli\dfikXc`kpXi\YXj\[feglYc`j_\[jkXk`jk`ZjXe[dfikXc`kpkXYc\j%K_\Xm\iX^\c`]\\og\ZkXeZp
8
f]Xe`e[`m`[lXci\k`i`e^`jXkk_\X^\f],,p\Xij%
_\fm\iXcc\og\Zk\[cfe^$k\idiXk\f]i\kliefeXjj\kj`j.g\iXeeld%K_\\og\Zk\[cfe^$k\idiXk\f]i\klie`jYXj\[
K
fek_\gfik]fc`fXjXn_fc\Xe[efkfek_\jldf]k_\i\kliejfe`e[`m`[lXcXjj\kZXk\^fi`\j%K_\i\klie`jYXj\[\oZclj`m\cp
fe_`jkfi`ZXci\kliej#n`k_flkX[aljkd\ekj%
:`k`YXeb9\i_X[s)''08eelXcI\gfik
65
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\ÔkjZfek`el\[
`% I\k`i\d\ekY\e\ÔkjZfek`el\[
?`jkfi`ZXc`e]fidXk`fe
>iflgXe[9Xeb
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IDË'''
)''/
IDË'''
)''.
IDË'''
Present value of the defined
benefit obligation
Fair value of plan assets
34,093
(25,972)
26,926
(18,991)
25,282
(21,295)
41,474
(39,051)
41,137
(36,095)
8,121
7,935
3,987
2,423
5,042
(2,127)
2,774
(1,132)
(1,060)
637
4,850
36
1,037
492
1,338
566
1,262
1,251
(1,270)
-
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Deficit in the plan
Experience adjustments
arising on plan assets
- (gains)/losses
Experience adjustments
arising on plan liabilities
- losses
Assumption adjustment on
plan liabilities - losses/
(gains)
66
)''-
IDË'''
)'',
IDË'''
The Group and the Bank expect RM 2,988,377 contribution to be paid to the funded defined benefit plan in year 2010.
``% J_Xi\fgk`fegcXe
The Group and the Bank has a number of stock option programs for its officers and employees as part of a discretionary award
package. Options are granted on Citigroup Inc. stock at the market value denominated in US dollar at the time of grant. Option
granted in October, 2009 has a six year term and will vest 33% each year over a three year period, provided the staff remains
continuously employed in the Bank.
>iflgXe[9Xeb
)''0
)''/
Outstanding at 1 January
Granted
Vested
Lapsed/cancelled
179,715
681,797
(98,012)
187,617
71,861
(4,804)
(74,959)
Outstanding at 31 December
763,500
179,715
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\ÔkjZfek`el\[
``% J_Xi\fgk`fegcXeZfek`el\[
;\kX`cjf]j_Xi\fgk`fej^iXek\[[li`e^k_\p\Xi1
>iflgXe[9Xeb
)''0
)''/
<og`ip[Xk\j
8m\iX^\^iXekgi`Z\g\ifi[`eXipj_Xi\ID 8^^i\^Xk\[gifZ\\[j`]j_Xi\jXi\`jjl\[IDË''' ;\kX`cjf]j_Xi\fgk`fej\o\iZ`j\[[li`e^k_\p\Xi1
P\Xif]\og`ip
8m\iX^\\o\iZ`j\gi`Z\g\ifi[`eXipj_Xi\ID 8^^i\^Xk\[`jjl\gifZ\\[jIDË''' =X`imXcl\Xk[Xk\f]m\jk`e^IDË''' K\idjf]k_\fgk`fejflkjkXe[`e^Xk*(;\Z\dY\i1
<og`ip[Xk\j
Feb 2009
Sep 2009
Jan 2010
Apr 2010
Apr 2010
Oct 2010
Jan 2011
Jan 2011
Aug 2011
Jan 2012
Feb 2012
Feb 2012
Jan 2013
Jan 2014
Oct 2015
FZk)0#)'(, AXe))#)'(+
(*%0/
/+%./
0#,*+-#'0(
$
$
$
$
)''/$)'()
,)%0)
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-#+0(
>iflgXe[9Xeb
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<o\iZ`j\gi`Z\
RM 111.13
RM 153.12
RM 169.66
RM 142.05
RM 189.30
RM 162.43
RM 169.82
RM 162.81
RM 151.52
RM 167.67
RM 143.60
RM 144.33
RM 186.39
RM 83.80
RM 13.98
22,501
21,939
1,912
6,433
23,247
4,131
2,681
415
2,038
32,422
635
16,237
628,909
21,084
5,000
25,669
23,869
6,433
24,526
2,681
622
29,710
827
39,294
-
763,500
179,715
:`k`YXeb9\i_X[s)''08eelXcI\gfik
67
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\ÔkjZfek`el\[
:`k`YXeb9\i_X[s)''08eelXcI\gfik
```% J_Xi\ZXg`kXcXZZldlcXk`fegcXe:8G
68
K_\>iflgXe[k_\9Xeb_XjXeldY\if]ZXg`kXcXZZldlcXk`fegif^iXdj]fi`kjf]ÔZ\ijXe[\dgcfp\\j%K_\:fi\:8G`jX
[`jZi\k`feXipXnXi[f]i\jki`Zk\[j_Xi\j%K_\eldY\if]:8Gj_Xi\j`eX:fi\:8GXnXi[`jZXcZlcXk\[lj`e^X),[`jZflek
]ifdk_\dXib\kgi`Z\f]:`k`^iflgZfddfejkfZb%Jlggc\d\ekXc:8G`jX[`jZi\k`feXipi\k\ek`feXnXi[gif^iXdZfdgfj\[
f] Xe XnXi[ f] :8G j_Xi\j% K_\ [`]]\i\eZ\ Y\kn\\e Jlggc\d\ekXc :8G XnXi[ Xe[ X Zfi\ :8G XnXi[ `j k_Xk ^\e\iXccp# X
Jlggc\d\ekXip:8G`j^`m\e`eX[[`k`fekfk_\[`jZi\k`feXipXnXi[gXZbX^\Xe[k_\eldY\if]j_Xi\jXnXi[\[n`ccefkY\
YXj\[feX[`jZflek]ifdk_\dXib\kgi`Z\f]:`k`^iflgZfddfejkfZb%:8G^iXek\[`e)''0kpg`ZXccpm\jk),\XZ_p\Xi]fi
]flip\Xij#n`k_k_\Ôijkm\jk`e^[Xk\fZZlii`e^()dfek_jX]k\ik_\^iXek[Xk\%J_Xi\jXZhl`i\[lgfe\o\iZ`j\f]X:8Gfgk`fe
^\e\iXccpdXpefkY\jfc[]fiknfp\Xij]fccfn`e^k_\\o\iZ`j\[Xk\%
>iflgXe[9Xeb
)''0
)''/
Outstanding at 1 January
Granted
Vested
Lapsed/cancelled
Net transferred in/out
176,565
224,975
(48,705)
(20,034)
112,862
155,234
127,446
(31,791)
(74,324)
-
Outstanding at 31 December
445,663
176,565
;\kX`cjf]:8G^iXek\[[li`e^k_\p\Xi1
Expiry dates
Average grant price per ordinary share (RM)
Aggregated proceeds if shares are issued (RM’000)
>iflgXe[9Xeb
)''0
)''/
Jan 20, 2013
16.01
3,602
Jan 17, 2011Jul 18, 2011
91.30
11,636
12.40
4,915
604
83.82
5,594
2,665
Details of CAP vested during the year:
Average exercise price per ordinary share (RM)
Aggregated issue proceeds (RM’000)
Fair value at date of vesting (RM’000)
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)(% <dgcfp\\Y\e\ÔkjZfek`el\[
```% J_Xi\ZXg`kXcXZZldlcXk`fegcXe:8G Zfek`el\[
K\idjf]k_\:8GflkjkXe[`e^Xk*(;\Z\dY\i1
P\Xif]\og`ip
>iXekgi`Z\
Jan 2009
Jan 2010
Jan 2011
July 2011
Jan 2012
Jan 2013
RM 166.25
RM 167.17
RM 186.66
RM 178.88
RM 90.25
RM 16.01
>iflgXe[9Xeb
)''0
)''/
25,244
45,893
8,624
144,619
221,283
222
21,768
35,074
119,501
-
445,663
176,565
))% @ek\i\jk`eZfd\
Loans and advances
- Interest income other than recoveries from NPLs
- Recoveries from NPLs
Money at call and deposit placements with
financial institutions
Securities held-for-trading
Securities available-for-sale
Securities held-to-maturity
Securities purchase under resale agreements
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
1,301,509
10,074
1,477,977
12,684
167,431
53,794
160,584
1,995
7,068
494,690
64,498
110,470
829
22,560
Accretion of discount/(Amortisation of premium)
1,702,455
3,742
2,183,708
(15,905)
Total interest income
1,706,197
2,167,803
:`k`YXeb9\i_X[s)''08eelXcI\gfik
69
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)*% @ek\i\jk\og\ej\
Deposits and placements of banks and other
financial institutions
Deposits from customers
Loans sold to Cagamas
Others
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
53,631
380,389
40,536
289,575
611,799
6,289
42,115
474,556
949,778
:`k`YXeb9\i_X[s)''08eelXcI\gfik
)+% Fk_\ifg\iXk`e^`eZfd\
70
Fee income:
Commission
Service charges and fees
Guarantee fees
Bankcard fees
Insurance premium and referral
Other fee income
Unrealised (loss)/gain from revaluation of securities
held-for-trading
Net gain from sales of securities
- securities held-for-trading
- securities available-for-sale
Gross dividends from securities held-to-maturity
Other income:
Foreign exchange profit
- unrealised gain
- realised gain
Loss from derivatives
Loss on disposal of property, plant and equipment
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
167,188
607
8,609
193,467
18,085
15,056
168,734
836
8,066
181,884
17,377
12,451
403,012
389,348
(17,492)
23,228
14,882
57,240
25
84,779
19,226
1,719
54,655
128,952
208,180
21,812
(131,873)
(277)
328,864
36,092
(194,237)
(227)
97,842
170,492
555,509
688,792
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
),% Fk_\ifg\iXk`e^\og\ej\j
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
- Salaries, allowances and bonuses
- Contributions to Employees Provident Fund
- Staff benefits and other compensations
- Others
Establishment costs
- Depreciation
- Rental of premises
- Hire of equipments
- Utilities
- Others
Marketing expenses
- Advertisement and promotional expenses
- Others
Administrative and general expenses
- Processing cost
- Auditors’ remuneration
- Statutory audit
- Other services
- Property, plant and equipment written off
- Stationeries and supplies
- Communication expenses
- Maintenance of office equipment
- Others
Total other operating expenses
186,525
29,747
80,456
1,411
191,280
32,483
120,355
10,721
298,139
354,839
32,468
16,605
9,141
4,620
8,521
27,044
22,312
3,716
5,936
2,906
71,355
61,914
85,012
1,453
79,502
2,629
86,465
82,131
146,716
140,455
266
357
11,680
15,870
29,616
108,564
266
33
30
9,399
19,720
21,130
92,204
313,069
283,237
769,028
782,121
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Personnel costs
71
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
),% Fk_\ifg\iXk`e^\og\ej\jZfek`el\[
`% CEO and Directors’ remuneration
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Executive Directors (including CEO)
Salary and other remuneration, including
meeting allowances
Bonuses
Benefits-in-kind
Share-based payment
72
Non-executive Directors
Fees
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
2,417
410
311
1,764
1,833
1,283
314
438
225
225
5,127
4,093
Number of Directors of Bank whose total remuneration (excluding benefits-in-kind) for the financial year falls in the following
bands:
>iflgXe[9Xeb
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)''/
Executive Directors
RM4,500,001 to RM5,500,000
RM3,500,001 to RM4,500,000
1
-
1
Non-executive Directors
RM50,001 to RM100,000
3
3
``% Other key management personnel:
- short-term employee benefits
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
1,855
2,148
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
)-% 8ccfnXeZ\]ficfjj\jfecfXejXe[ÔeXeZ`e^
>iflgXe[9Xeb
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IDË'''
IDË'''
Specific allowance
- made in the financial year
- written back
296,150
(64,136)
248,190
(66,009)
General allowance
- reversal during the year
(20,090)
(11,107)
Bad debts on loan and financing
- written back
- written off
(32,325)
1,460
(42,628)
3,237
181,059
131,683
).% KXoXk`fe
Malaysian income tax
- current year
- prior year over provision
Deferred tax expense
- Origination and reversal of temporary differences
>iflgXe[9Xeb
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IDË'''
IDË'''
223,460
(6,261)
267,776
(4,399)
217,199
263,377
4,250
2,446
221,449
265,823
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Allowance for bad and doubtful debts on loans
and financing:
73
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
).% KXoXk`feZfek`el\[
8i\ZfeZ`c`Xk`fef]k_\`eZfd\kXo\og\ej\Y\kn\\ek_\jkXklkfipkXoiXk\Xe[\]]\Zk`m\kXoiXk\`jXj]fccfnj1$
:`k`YXeb9\i_X[s)''08eelXcI\gfik
74
>iflgXe[9Xeb
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IDË'''
IDË'''
Profit before taxation
895,674
1,038,223
Income tax using Malaysian tax rate of 25%
(2008 - 26%)
Non-deductible expenses
Effect of changes in tax rate
Others
223,919
313
1,725
1,753
269,938
2,052
(1,768)
-
Over provision in prior year
227,710
(6,261)
270,222
(4,399)
221,449
265,823
K_\=`eXeZ\8Zk)''.XeefleZ\[k_\i\[lZk`fef]ZfigfiXk\kXoiXk\kf)-n`k_\]]\Zk]ifdp\Xif]Xjj\jjd\ek)''/Xe[kf
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Final 2008 ordinary
Interim 2009 ordinary
Total amount
J\e
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400,000
300,000
700,000
;Xk\f]
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22 Dec 2009
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Final ordinary
J\e
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205
250,000
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8
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75
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
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:`k`YXeb9\i_X[s)''08eelXcI\gfik
@eZfd\
Interest on interest bearing deposits
Other income
<og\e[`kli\
Interest on interest bearing deposits
Other expenses
8dflek[l\]ifd
Interest bearing deposits
Current account balances
Other balances
76
8dflek[l\kf
Interest bearing deposits
Current account balances
Other balances
>iflgXe[9Xeb
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IDË'''
IDË'''
GXi\ek
Fk_\ii\cXk\[
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>iflgXe[9Xeb
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IDË'''
IDË'''
GXi\ek
Fk_\ii\cXk\[
ZfdgXe`\j
ZfdgXe`\j
4,465
145,434
76,869
5,789
399,096
240,005
4,465
222,303
5,789
639,101
32,692
35,156
250,135
114,600
265,881
192,353
32,692
285,291
114,600
458,234
3,508
38,325
2,582,634
102,750
42,349
6,514
245,595
11,164,302
182,081
455,823
41,833
2,727,733
252,109
11,802,206
34,911
46,233
29,341
53,578
1,071,156
83,663
269,687
9,181,419
183,852
367,937
81,144
1,154,075
353,350
9,733,208
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Outstanding credit exposures with connected parties
of which:
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>iflgXe[9Xeb
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IDË'''
IDË'''
1,331,305
1,211,948
1
5
63,521,791
63,409,654
2.10%
1.91%
34.06%
30.68%
0.00%
0.00%
K_\[`jZcfjli\fe:i\[`kKiXejXZk`fejXe[<ogfjli\jn`k_:fee\Zk\[GXik`\jXYfm\Xi\gi\j\ek\[`eXZZfi[XeZ\n`k_gXiX0%(
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m% =
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\ek`k`\jZfekifcc\[Ypk_\d2
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77
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*(% :i\[`kkiXejXZk`fejXe[\ogfjli\jn`k_Zfee\Zk\[gXik`\jZfek`el\[
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Foreign exchange
related contracts:
- Forwards
- Cross currency
interest rate swaps
- Options
Interest rate contracts:
- Futures
- Swaps
- Options
Equity related
contracts
Others
Contract
Amount
RM’000
2009
Positive
fair
value
RM’000
Negative
fair
value
RM’000
Contract
amount
RM’000
2008
Positive
fair
value
RM’000
Negative
fair
value
RM’000
23,665,292
103,489
92,287
49,159,458
604,114
564,053
12,840,992
788,872
261,250
9,434
176,439
3,366
15,578,565
2,587,234
358,947
87,651
300,750
32,457
14,421,398
54,584,009
671,050
375,161
17
483,352
11
16,224,875
54,233,405
667,350
634,162
7
775,440
41
1,396,582
782,511
18,164
7,887
18,404
9,881
1,557,939
960,559
15,156
8,281
20,361
25,556
109,150,706
775,402
783,740
140,969,385
1,708,318
1,718,658
Note 10
Note 17
Note 10
Note 17
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Securities available-for-sale
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10,345,906
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-
368,073
-
10,713,979
1.21%
-
236,463
890,816
200,209
964
-
-
1,328,452
2.61%
74,940
-
200,568
-
778,321
-
3,555,716
-
743,139
-
7,499
2,326,772
-
2,326,772
5,352,684
7,499
2.55%
3.25%
12,735,098
-
890,276
-
898,897
-
3,312,926
-
854,485
-
(430,856)
236,246
1,066,002
5,200
37,463
62,664
-
18,260,826
236,246
1,066,002
5,200
37,463
62,664
7.12%
23,155,944 1,327,307 2,568,034
7,068,851
1,598,588
1,352,291
2,326,772
39,397,787
20,111,743 4,542,066 4,126,116
1,039,158
10,000
-
-
29,829,083
1.40%
57,171
-
111,570
-
400,000
128,468
48,010
2,150,482
-
-
3,694,910
48,010
2,150,482
400,000
0.77%
KfkXcc`XY`c`k`\j
Shareholders’ equity
23,496,194 4,555,316 4,183,287
-
1,150,728
-
410,000
-
2,326,960
3,275,302
-
36,122,485
3,275,302
KfkXcc`XY`c`k`\jXe[
j_Xi\_fc[\ijË\hl`kp
23,496,194 4,555,316 4,183,287
1,150,728
410,000
5,602,262
-
39,397,787
(340,250) (3,228,009) (1,615,253) 5,918,123
1,188,588
(4,249,971)
2,326,772
807,836
47,000
-
-
(333,543) (941,901) (4,030,249) 6,725,959
1,235,588
(4,249,971)
2,326,772
KfkXcXjj\kj
C@89@C@K@<J8E;
J?8I<?FC;<IJË<HL@KP
Deposits from customers
Deposits and placements of
banks and other financial
institutions
Bills and acceptances payable
Other liabilities
Subordinated loan
On-balance sheets interest
sensitivity gap
Off-balance sheets interest
sensitivity gap
3,384,451
-
13,250
-
6,707 2,286,108 (2,414,996)
3.44%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
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>iflg
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IDË'''
8JJ<KJ
Cash and short term funds
Deposits and placements with
banks and other financial
institutions
Securities purchased under
resale agreements
Securities held-for-trading
Securities available-for-sale
Securities held-to-maturity
Loans, advances and financing
- performing
- non-performing
Other assets
Statutory deposits with BNM
Deferred tax assets
Property, plant and equipment
5($,
p\Xij
IDË'''
Fm\i, Efe$`ek\i\jk
p\Xij
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IDË'''
KiX[`e^
Yffb
IDË'''
KfkXc
IDË'''
<]]\Zk`m\
`ek\i\jk
iXk\
-
-
190,605
-
12,384,425
3.03%
431,828 1,484,628
736,030
2,966
-
-
2,655,452
3.80%
858,489
-
3,880,246
-
492,336
-
7,499
3,183,108
-
125,771
3,183,108
5,291,218
7,499
3.61%
3.01%
3.62%
800,907 1,099,671
-
3,206,768
-
972,914
-
(347,959)
249,979
2,054,554
508,292
22,503
54,834
-
19,598,851
249,979
2,054,554
508,292
22,503
54,834
7.40%
26,217,045 1,261,978 3,442,788
7,823,044
1,468,216
2,740,307
3,183,108
46,136,486
19,999,271 3,149,852 5,190,617
1,209,900
40,000
-
-
29,589,640
2.29%
533,279
-
34,026
-
400,000
141,183
42,269
3,146,546
-
-
9,602,856
42,269
3,146,546
400,000
2.77%
KfkXcc`XY`c`k`\j
Shareholders’ equity
28,556,351 3,487,140 5,723,896
-
1,243,926
-
440,000
-
3,329,998
3,355,175
-
42,781,311
3,355,175
KfkXcc`XY`c`k`\jXe[
j_Xi\_fc[\ijË\hl`kp
28,556,351 3,487,140
5,723,896 1,243,926
440,000
6,685,173
-
46,136,486
(2,339,306) (2,225,162) (2,281,108) 6,579,118
1,028,216
(3,944,866)
3,183,108
705,984 2,445,069 (4,319,761) 1,223,223
7,509
-
-
1,035,725
(3,944,866)
3,183,108
C@89@C@K@<J8E;
J?8I<?FC;<IJË<HL@KP
Deposits from customers
Deposits and placements of
banks and other financial
institutions
Bills and acceptances payable
Other liabilities
Subordinated loan
On-balance sheets interest
sensitivity gap
Off-balance sheets interest
sensitivity gap
116,675
40,000
13,866,550
-
8,557,080
-
(1,633,322)
-
5*$()
dfek_j
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-
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12,193,820
5($*
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9,096
20,147
-
337,288
-
219,907 (6,600,869) 7,802,341
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Between 1 and 5 years
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9,971
4,990
21,723
7,127
Capital expenditures:
Authorised and contracted for
>iflgXe[9Xeb
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15,989
38,848
*-% :Xg`kXcX[\hlXZp
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Total market RWA (Note 36(f))
Total operational RWA
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19,769,887
1,948,704
3,361,169
22,366,355
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25,079,760
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3,225,210
3,908,305
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Risk weighted capital ratio
12.86%
15.58%
11.28%
13.72%
8]k\i[\[lZk`e^gifgfj\[[`m`[\e[j1
Core capital ratio
Risk weighted capital ratio
11.86%
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12.33%
KfkXcI`jbN\`^_k\[8jj\kj
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Tier 1 Capital
Capital Base*
! @eXii`m`e^Xkk_\ZXg`kXcYXj\lj\[`ek_\iXk`fZXcZlcXk`fejf]k_\9Xeb#k_\gifgfj\[[`m`[\e[jn\i\efk[\[lZk\[%
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Share premium
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:`k`YXeb9\i_X[s)''08eelXcI\gfik
KfkXcK`\i@:Xg`kXc:fi\:Xg`kXc 84
>iflgXe[9Xeb
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K`\i@@:Xg`kXc
General allowance for bad and doubtful debts
and financing
Maximum allowable subordinated debt capital
KfkXcK`\i@@:Xg`kXc
Total Eligible Tier II
Less: Investments in subsidiary companies
:Xg`kXc9Xj\
121,697
380,303
2,642,125
121,697
(40,612)
121,697
380,303
2,667,900
121,697
(44,862)
3,225,210
3,246,735
283,115
400,000
303,205
400,000
683,115
703,205
683,115
(20)
703,205
(20)
3,908,305
3,949,920
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7,484,071
7,484,071
-
-
9,595,935
9,595,935
2,191,274
175,302
2,716
2,361,043
6,096,462
9,942,990
66,201
453,507
7,499
617,520
2,716
2,350,257
5,862,517
9,942,990
66,201
453,507
7,499
617,520
2,714
2,288,500
4,397,623
3,761,253
99,301
401,318
2,299
638,504
218
183,080
351,810
300,900
7,944
32,105
184
51,080
36,627,944
36,383,213
13,782,786
1,102,623
2,118,453
2,118,453
1,211,748
96,940
5,918,410
14,823
5,918,410
14,823
4,757,148
18,205
380,572
1,456
8,051,686
8,051,686
5,987,101
478,968
44,679,630
44,434,899
19,769,887
1,581,591
:Xg`kXc
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J_fik
Gfj`k`fe
2,434,051
241,600
4,405
352
441,879
120,334
316,178
148,008
1,787,557
148,008
8,734
143,005
11,841
699
1,948,704
155,897
3,361,169
268,894
25,079,760
2,006,382
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8,999,997
8,999,997
-
-
11,283,320
11,283,320
2,874,528
229,962
7,042
3,001,252
5,950,099
10,991,187
100,316
746,118
523,084
7,042
2,939,626
5,728,803
10,991,187
100,316
746,118
522,492
7,040
2,778,395
4,296,602
4,331,034
150,473
648,681
548,712
563
222,272
343,728
346,483
12,038
51,894
43,897
41,602,415
41,318,901
15,635,465
1,250,837
3,543,712
3,543,700
1,895,309
151,625
5,869,143
8,769
5,865,119
8,769
4,826,051
9,530
386,084
762
9,421,624
9,417,588
6,730,890
538,471
51,024,039
50,736,489
22,366,355
1,789,308
:Xg`kXc
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:`k`YXeb9\i_X[s)''08eelXcI\gfik
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<ogfjli\ZcXjj
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87
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
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<ogfjli\ZcXjj
CXi^\<ogfjli\I`jb
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DXib\kI`jb
@ek\i\jkiXk\i`jb
$Jg\Z`ÔZ`ek\i\jk
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Cfe^
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J_fik
Gfj`k`fe
3,233,034
19,388
18,636
1,491
538,836
1,169,859
458,396
578,288
2,043,666
1,169,859
17,301
163,493
93,589
1,384
3,249,462
259,957
3,170,405
253,632
28,786,222
2,302,897
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
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<ogfjli\jX]k\iE\kk`e^Xe[:i\[`kI`jbD`k`^Xk`fe
@ejliXeZ\
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J\Zli`k`\j
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KfkXc
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0%
20%
35%
50%
75%
100%
150%
7,484,071
-
507,572
8,648,717
2,104,381
99,648
-
75,319
5,767
92,059
82,774 4,675,483
2,247
1,776
9,362,748
42,355
31,674
8,392,575
1,545,184
166,290
535,554
8,704
107,907
51,515
843
402,237
-
6,500
999
-
KfkXc\ogfjli\j
7,484,071 11,360,318
88,541 4,845,108
9,438,553
10,648,307
107,907
454,595
7,499 44,434,899 19,769,887
85,657 4,739,946
7,112,816
4,383,322
161,860
402,405
2,299
I`jbN\`^_k\[8jj\kj
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Average Risk Weight
Deduction from Capital Base
8,043,158
8,731,379
8,392,575
3,749,167
9,529,038
5,839,050
150,532
-
2,881,582
0%
25%
97%
98%
75%
41%
150%
89%
31%
45%
-
-
-
-
-
-
-
-
-
-
1,746,276
2,937,401
1,874,584
7,146,779
5,839,050
225,797
- 19,769,887
-
:`k`YXeb9\i_X[s)''08eelXcI\gfik
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89
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
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[% K_\Yi\Xb[fnef]i`jbn\`^_k\[Xjj\kjYpi`jbn\`^_kj]fik_\gi\m`fljÔeXeZ`Xcp\Xin\i\Xj]fccfnj1
90
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0%
20%
35%
50%
75%
100%
150%
8,999,997
-
51,022
10,390,210
3,423,364
5,776
44
1,324
63,431
-
196,708
227,608
5,750,716
6,489
742
8,949,460
45,323
29,779
8,796,225
1,832,527
625,513
422,653
20,407
147,139
90,732 9,141,751
8,379 10,595,297 2,119,059
- 8,796,225 3,078,678
- 5,485,565 2,742,782
- 9,574,973 7,181,229
650,921 6,938,820 6,938,820
203,858 305,787
KfkXc\ogfjli\j
8.999,997
13,870,416
64,755
6,181,521
9,025,304 11,697,325
147,139
750,032 50,736,489 22,366,355
-
3,795,566
64,093
5,913,594
6,802,456
4,917,341
220,709
652,596
0%
27%
99%
96%
75%
42%
150%
87%
44%
-
-
-
-
-
-
-
-
-
I`jbN\`^_k\[8jj\kj
Yp<ogfjli\j
Average Risk Weight
Deduction from Capital Base
<ogfjli\jX]k\iE\kk`e^Xe[:i\[`kI`jbD`k`^Xk`fe
@ejliXeZ\
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IDË'''
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KfkXc
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- 22,366,355
-
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*-% :Xg`kXcX[\hlXZpZfek`el\[
\% K_\F]]$9XcXeZ\J_\\k<ogfjli\jXe[k_\`ii\cXk\[Zflek\igXikpZi\[`ki`jbf]k_\>iflgXe[k_\9XebXi\Xj]fccfnj1
Direct credit substitutes
Gi`eZ`gXc
Xdflek
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Gfj`k`m\]X`i
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[\i`mXk`m\
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:i\[`k
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Xdflek
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I`jb
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1,821,604
-
1,821,604
1,690,919
Transaction related
contingent items
527,371
-
263,686
231,439
Short term self liquidating
trade related contingencies
212,094
-
42,419
39,597
Forward asset purchases
107,311
-
107,311
56,458
14,039,888
4,700,921
-
140,774
233,399
-
358,506
660,627
-
267,549
490,040
-
Foreign exchange related
contracts:
One year or less
Over one year to five years
Over five years
:`k`YXeb9\i_X[s)''08eelXcI\gfik
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>iflgXe[9Xeb
EXkli\f]`k\d
91
Interest/Profit rate related
contracts:
One year or less
Over one year to five years
Over five years
6,923,694
28,563,526
2,474,306
37,429
248,163
89,586
46,530
670,379
255,336
15,320
269,529
83,166
Equity related contracts:
One year or less
Over one year to five years
Over five years
463,128
582,463
-
18,164
-
29,550
63,443
-
13,559
37,776
-
Debt security contracts and
other commodity contracts:
One year or less
Over one year to five years
Over five years
373,940
195,890
-
7,887
-
34,082
-
34,811
-
Other commitments, such as
formal standby facilities and
credit lines, with an original
maturity of over one year
449,442
-
224,721
149,793
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*-% :Xg`kXcX[\hlXZpZfek`el\[
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:`k`YXeb9\i_X[s)''08eelXcI\gfik
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>iflgXe[9Xeb
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92
Any commitments that are
unconditionally cancelled
at any time by the bank
without prior notice or that
effectively provide for
automatic cancellation due to
deterioration in a borrower’s
creditworthiness
Gi`eZ`gXc
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Gfj`k`m\]X`i
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5,697,541
-
-
-
Unutilised credit card lines
17,367,458
-
3,473,492
2,607,145
Total
84,500,577
775,402
8,051,686
5,987,101
1,445,815
-
1,445,815
1,360,653
Transaction related
contingent items
573,391
-
286,695
246,990
Short term self liquidating
trade related contingencies
263,063
-
52,613
43,754
49,928
-
49,928
49,878
Foreign exchange related
contracts:
One year or less
Over one year to five years
Over five years
27,705,688
5,557,995
651,912
752,805
256,752
41,155
1,167,916
763,695
138,942
728,540
502,245
138,942
Interest/Profit rate related
contracts:
One year or less
Over one year to five years
Over five years
6,500,278
32,090,420
3,589,342
38,960
370,599
224,610
45,962
823,964
453,853
17,287
245,357
165,861
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Direct credit substitutes
Forward asset purchases
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*-% :Xg`kXcX[\hlXZpZfek`el\[
\% K_\ F]]$9XcXeZ\ J_\\k <ogfjli\j Xe[ k_\`i i\cXk\[ Zflek\igXikp Zi\[`k i`jb f] k_\ >iflg Xe[ k_\ 9Xeb Xi\ Xj ]fccfnj1
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One year or less
Over one year to five years
Over five years
Gi`eZ`gXc
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1,195,443
-
Gfj`k`m\]X`i
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[\i`mXk`m\
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15,156
-
116,344
-
64,041
-
-
33,036
-
33,036
-
Debt security contracts and
other commodity contracts:
One year or less
Over one year to five years
Over five years
206,294
-
Other commitments, such as
formal standby facilities and
credit lines, with an original
maturity of over one year
1,077,602
-
538,801
426,885
Other commitments, such as
formal standby facilities and
credit lines, with an original
maturity of up to one year
1,626,260
-
325,252
321,451
Any commitments that are
unconditionally cancelled
at any time by the bank
without prior notice or that
effectively provide for
automatic cancellation due to
deterioration in a borrower’s
creditworthiness
3,701,052
-
-
-
15,894,041
-
3,178,808
2,385,970
102,128,524
1,708,318
9,421,624
6,730,890
Unutilised credit card lines
Total
8,281
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93
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*-% :Xg`kXcX[\hlXZpZfek`el\[
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:i\[`ki`jbXi`j\j]ifdk_\gfjj`Y`c`kpk_XkXZflek\igXikpdXpY\leXYc\kfd\\kk_\k\idjf]XZfekiXZk`en_`Z_k_\9Xeb
_Xj X ^X`e gfj`k`fe% 8j Xk \e[ f] *( ;\Z\dY\i )''0# k_\ Xdflekj f] Zi\[`k i`jb# d\Xjli\[ `e k\id f] k_\ Zfjk kf i\gcXZ\
gifÔkXYc\ZfekiXZkjnXjID..,#+')#''')''/$ID(#.'/#*(/#''' %K_`jXdflekn`cc`eZi\Xj\fi[\Zi\Xj\fm\ik_\c`]\f]k_\
ZfekiXZkjXjX]leZk`fef]dXkli`kp[Xk\jXe[dXib\kiXk\jfigi`Z\j%
:`k`YXeb9\i_X[s)''08eelXcI\gfik
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Xj]fccfnj1
94
Interest rate risk
- General interest rate risk
- Specific interest rate risk
Foreign currency risk
- General risk
- Execution risk
Option risk
Total
>iflgXe[9Xeb
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1,787,557
4,405
143,005
352
2,043,666
18,636
163,493
1,491
1,791,962
143,357
2,062,302
164,984
148,008
-
11,841
-
1,169,859
-
93,589
-
148,008
11,841
1,169,859
93,589
8,734
699
17,301
1,384
1,948,704
155,897
3,249,462
259,957
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*.% =X`imXcl\jf]]`eXeZ`XcXjj\kjXe[c`XY`c`k`\j
_\ ]fccfn`e^ kXYc\ jlddXi`j\j k_\ ]X`i mXcl\j f] k_\ ]`eXeZ`Xc Xjj\kj Xe[ c`XY`c`k`\j ZXii`\[ fe YXcXeZ\ j_\\kj Xj Xk *(
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Cash and short term funds
Deposits and placements with
financial institutions
Securities purchased under resale
agreements
Securities held-for-trading
Securities available-for-sale
Securities held-to-maturity
Loans, advances and financing
Other assets
10,713,979
10,713,979
12,384,425
12,384,425
1,328,452
1,337,374
2,655,452
2,662,134
2,326,772
5,352,684
7,499
18,497,072
1,066,002
2,326,772
5,352,684
7,499
18,404,525
1,066,002
125,771
3,183,108
5,291,218
7,499
19,848,830
2,054,554
125,771
3,183,108
5,291,218
7,499
19,020,473
2,054,554
Deposits from customers
Deposits and placements of
banks and other financial
institutions
Bills and acceptances payable
Other liabilities
Subordinated loan
29,829,083
29,936,737
29,589,640
29,593,533
3,694,910
48,010
2,150,482
400,000
3,594,353
48,010
2,150,482
400,000
9,602,856
42,269
3,146,546
400,000
9,603,923
42,269
3,146,546
400,000
:`k`YXeb9\i_X[s)''08eelXcI\gfik
95
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*.% =X`imXcl\jf]ÔeXeZ`XcXjj\kjXe[c`XY`c`k`\j
Zfek`el\[ K_\d\k_f[jXe[Xjjldgk`fejlj\[`e\jk`dXk`e^k_\]X`i
mXcl\jf]ÔeXeZ`Xc`ejkild\ekjXi\Xj]fccfnj1
\% ;\gfj`kj ]ifd :ljkfd\ij Xe[ ;\gfj`kj Xe[
GcXZ\d\ekjf]9XebjXe[Fk_\i=`eXeZ`Xc@ejk`klk`fej
X% :Xj_Xe[J_fikK\id=le[j#Xe[J\Zli`k`\jGliZ_Xj\[
le[\iI\jXc\8^i\\d\ekj
K_\ZXiip`e^XdflekjXi\Xi\XjfeXYc\\jk`dXk\f]k_\
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K_\ ]X`i mXcl\j ]fi [\gfj`k c`XY`c`k`\j gXpXYc\ fe
[\dXe[ [\dXe[ Xe[ jXm`e^j [\gfj`kj fi n`k_
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Xkk_\\e[f]k_\`i_fc[`e^g\i`f[jYXj\[fek_\gifÔk
^\e\iXk\[ ]ifd k_\ Xjj\kj `em\jk\[% =fi e\^fk`XYc\
`ejkild\ek f] [\gfj`kj# k_\ \jk`dXk\[ ]X`i mXcl\j Xi\
YXj\[ fe hlfk\[ fi fYj\imXYc\ dXib\k gi`Z\j Xk k_\
YXcXeZ\j_\\kj[Xk\%N_\i\jlZ_hlfk\[fifYj\imXYc\
dXib\k gi`Z\j Xi\ efk XmX`cXYc\# k_\ ]X`i mXcl\j f]
e\^fk`XYc\`ejkild\ekjf][\gfj`kjXi\\jk`dXk\[lj`e^
[`jZflek\[ZXj_Õfnk\Z_e`hl\j%
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Y% ;\gfj`kjXe[GcXZ\d\ekjn`k_=`eXeZ`Xc@ejk`klk`fej
96
K_\ ]X`i mXcl\j f] [\gfj`kj Xe[ gcXZ\d\ekj n`k_
i\dX`e`e^dXkli`k`\jc\jjk_Xefe\p\XiXi\\jk`dXk\[
kfXggifo`dXk\k_\`iZXiip`e^mXcl\j%=fi[\gfj`kjXe[
gcXZ\d\ekjn`k_dXkli`k`\jf]dfi\k_Xefe\p\Xi#k_\
]X`i mXcl\j Xi\ \jk`dXk\[ YXj\[ fe [`jZflek\[ ZXj_
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i\dX`e`e^dXkli`k`\j%
Z% J\Zli`k`\j ?\c[$]fi$KiX[`e^# J\Zli`k`\j 8mX`cXYc\$]fi$JXc\
Xe[J\Zli`k`\j?\c[$kf$DXkli`kp
K_\ ]X`i mXcl\j Xi\ \jk`dXk\[ YXj\[ fe hlfk\[ fi
fYj\imXYc\ dXib\k gi`Z\j Xj Xk YXcXeZ\ j_\\kj [Xk\%
N_\i\jlZ_hlfk\[fifYj\imXYc\dXib\kgi`Z\jXi\efk
XmX`cXYc\# k_\ ]X`i mXcl\j Xi\ \jk`dXk\[ lj`e^ gi`Z`e^
df[\cj fi [`jZflek\[ ZXj_ Õfn k\Z_e`hl\j% N_\i\
[`jZflek\[ ZXj_ Õfn k\Z_e`hl\ `j lj\[# k_\ \og\Zk\[
]lkli\ ZXj_ Õfnj Xi\ [`jZflek\[ lj`e^ gi\mX`c`e^
dXib\k iXk\j ]fi j`d`cXi `ejkild\ekj Xj Xk YXcXeZ\
j_\\kj[Xk\%
]% 9`ccjXe[8ZZ\gkXeZ\jGXpXYc\
K_\ ZXiip`e^ Xdflekj Xi\ X i\XjfeXYc\ \jk`dXk\ f]
k_\`i]X`imXcl\jY\ZXlj\f]k_\`ij_fik$k\ideXkli\%
^% JlYfi[`eXk\[CfXe
K_\ ZXiip`e^ Xdflek f] k_\ jlYfi[`eXk\[ cfXe
Xggifo`dXk\j]X`imXcl\[l\kf`kjmXi`XYc\`ek\i\jkiXk\%
[% CfXej#8[mXeZ\jXe[=`eXeZ`e^
_% Fk_\i8jj\kjXe[Fk_\iC`XY`c`k`\j
K_\ ]X`i mXcl\j f] Ôo\[ iXk\ cfXej n`k_ i\dX`e`e^
dXkli`kpf]c\jjk_Xefe\p\XiXe[mXi`XYc\iXk\cfXej
Xi\\jk`dXk\[kfXggifo`dXk\k_\`iZXiip`e^mXcl\j%=fi
Ôo\[ iXk\ cfXej Xe[ @jcXd`Z cfXej n`k_ dXkli`k`\j f]
dfi\ k_Xe fe\ p\Xi# k_\ ]X`i mXcl\j Xi\ \jk`dXk\[
YXj\[ fe \og\Zk\[ ]lkli\ ZXj_ Õfnj f] ZfekiXZklXc
`ejkXcd\ekgXpd\ekjXe[[`jZflek\[Xkgi\mX`c`e^iXk\j
XkYXcXeZ\j_\\kj[Xk\f]]\i\[]fij`d`cXicfXejkfe\n
Yfiifn\ijn`k_j`d`cXiZi\[`kgifÔc\j#n_\i\Xggc`ZXYc\%
@ei\jg\Zkf]efe$g\i]fid`e^cfXej#k_\]X`imXcl\jXi\
[\\d\[ kf Xggifo`dXk\ k_\ ZXiip`e^ mXcl\j# e\k f]
jg\Z`ÔZ XccfnXeZ\ ]fi YX[ Xe[ [flYk]lc [\Ykj Xe[
ÔeXeZ`e^% >\e\iXc XccfnXeZ\ `j \oZcl[\[ ]ifd k_\
ZXiip`e^mXcl\%
K_\]X`imXcl\jf]fk_\iXjj\kjXe[fk_\ic`XY`c`k`\jXi\
Xjjld\[ kf Xggifo`dXk\ k_\`i ZXiip`e^ mXcl\j [l\ kf
k_\j_fikk\ideXkli\f]k_\j\ÔeXeZ`Xc`ejkild\ekjfi
k_\ ]XZk k_Xk k_\p Xi\ [\i`m\[ Yp lj`e^ k_\ dXib\k
iXk\jXkYXcXeZ\j_\\kj[Xk\%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^
8jj\kj
Cash and short term funds
Securities held-for-trading
Securities available-for-sale
Financing, advances and other loans
Deferred tax assets
Other assets
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
(a)
(b)
(c)
(d)
(f)
KfkXcXjj\kj
C`XY`c`k`\j
Deposits from customers
Deferred tax liabilities
Other liabilities
(g)
(h)
KfkXcc`XY`c`k`\j
Islamic banking funds
(i)
KfkXcc`XY`c`k`\jXe[@jcXd`ZYXeb`e^]le[j
Off-balance sheet exposures
K_\efk\jfegX^\j('(kf()*Xi\Xe`ek\^iXcgXikf]k_\j\]`eXeZ`XcjkXk\d\ekj%
(r)
878,460
65,397
401,371
527,007
1,718
91,716
22,191
75,004
775,932
418,416
127,110
1,965,669
1,418,653
1,632,416
151,041
845,246
4,599
405,600
1,783,457
1,255,445
182,212
163,208
1,965,669
1,418,653
2,920,577
2,735,568
:`k`YXeb9\i_X[s)''08eelXcI\gfik
9XcXeZ\j_\\kjXk*(;\Z\dY\i)''0
97
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[ @eZfd\jkXk\d\ekj]fik_\p\Xi\e[\[*(;\Z\dY\i)''0
Income derived from investment of depositors’
funds and others
Allowance for losses on financing
Transfer from Profit Equalisation Reserve
(j)
(k)
(l)
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Total attributable income
98
Income attributable to depositors
(m)
Total attributable to the Bank
Income derived from investment of Islamic
Banking Capital Funds
(n)
Total net income
Other operating expenses
(p)
Profit before taxation
Taxation
Profit after taxation
K_\efk\jfegX^\j('(kf()*Xi\Xe`ek\^iXcgXikf]k_\j\]`eXeZ`XcjkXk\d\ekj%
(q)
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
42,990
(2,267)
1,002
52,546
(3,986)
804
41,725
49,364
(15,603)
(24,053)
26,122
25,311
30,222
15,913
56,344
41,224
(7,440)
(4,969)
48,904
36,255
(12,300)
(7,069)
36,604
29,186
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[ JkXk\d\ekjf]Z_Xe^\j`e@jcXd`Z9Xeb`e^=le[j]fik_\p\Xi\e[\[*(;\Z\dY\i)''0
:Xg`kXc
]le[j
IDË'''
>iflgXe[9Xeb
=X`imXcl\
I\kX`e\[
i\j\im\
gif]`kj
IDË'''
IDË'''
KfkXc
IDË'''
20,000
(1,391)
95,537
114,146
Profit after taxation
-
-
29,186
29,186
Unrealised net gain on
revaluation of securities
available-for-sale
-
19,876
-
19,876
20,000
18,485
124,723
163,208
Profit after taxation
-
-
36,604
36,604
Unrealised net loss on
revaluation of securities
available-for-sale
-
(17,600)
-
(17,600)
20,000
885
161,327
182,212
8k(AXelXip)''/
8k*(;\Z\dY\i)''/&(AXelXip
)''0
8k*(;\Z\dY\i)''0
Efk\*/`
K_\efk\jfegX^\j('(kf()*Xi\Xe`ek\^iXcgXikf]k_\j\]`eXeZ`XcjkXk\d\ekj%
:`k`YXeb9\i_X[s)''08eelXcI\gfik
99
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
:Xj_]cfnjkXk\d\ekj]fik_\p\Xi\e[\[*(;\Z\dY\i)''0
:`k`YXeb9\i_X[s)''08eelXcI\gfik
100
:Xj_]cfnj]ifdfg\iXk`e^XZk`m`k`\j
Profit before taxation
Adjustments for:
Amortisation of premium less accretion of
discount of investment securities
Allowance for bad and doubtful debts
(net of write-backs)
Profit Equalisation Reserve
Gain from disposal of securities available-for-sale
Mark-to-market gain on securities held-for-trading
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
48,904
36,255
(1,488)
(5,737)
2,267
(1,002)
(27,997)
(528)
3,986
(804)
(29)
(362)
Operating profit before changes in working capital
Changes in working capital:
Securities held-for-trading
Financing, advances and other loans
Other assets
Deposits from customers
Other liabilities
20,156
33,309
10,135
(110,858)
35,394
787,170
(253,557)
(74,626)
(246,905)
(15,062)
(250,847)
218,890
Cash generated from/(used in) operating activities
Income taxes paid
488,440
(12,464)
(335,241)
(7,583)
E\kZXj_]ifd&lj\[`e fg\iXk`e^XZk`m`k`\j
475,976
(342,824)
:Xj_]cfnj]ifd`em\jk`e^XZk`m`k`\j
Purchase of securities available-for-sale
Proceeds from disposal of securities available-for-sale
(425,124)
805,417
(522,846)
80,907
E\kZXj_]ifd&lj\[`e `em\jk`e^XZk`m`k`\j
380,293
(441,939)
Net increase/(decrease) in cash and cash equivalents
Cash and cash equivalents at 1 January
856,269
22,191
(784,763)
806,954
878,460
22,191
:Xj_Xe[ZXj_\hl`mXc\ekjXk*(;\Z\dY\iEfk\*/X K_\efk\jfegX^\j('(kf()*Xi\Xe`ek\^iXcgXikf]k_\j\]`eXeZ`XcjkXk\d\ekj%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
4,460
3,191
874,000
19,000
878,460
22,191
Y% J\Zli`k`\j_\c[$]fi$kiX[`e^
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
8k]X`imXcl\
Bank Negara Malaysia Islamic Bills
Z% J\Zli`k`\jXmX`cXYc\$]fi$jXc\
8k]X`imXcl\
Malaysian Government Investment Issues
Islamic Khazanah bonds
65,397
75,004
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
326,431
74,940
635,543
140,389
401,371
775,932
:`k`YXeb9\i_X[s)''08eelXcI\gfik
X% :Xj_Xe[j_fikk\id]le[j
Cash and balances with banks and other
financial institutions
Money at call and deposit placements
maturing within one month
101
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
[% =`eXeZ`e^#X[mXeZ\jXe[fk_\icfXej
`%
9pkpg\
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Term financing
- Housing loans/financing
- Hire purchase receivables
- Lease receivables
- Claims on customers under acceptance
credits
564,069
8,868
6,722
451,518
17,187
12,336
-
3,213
Unearned income
579,659
(39,880)
484,254
(53,869)
Gross financing, advances and other loans
539,779
430,385
Allowance for bad and doubtful financing
- general
- specific
(8,029)
(4,743)
(6,374)
(5,595)
527,007
418,416
Total net financing, advances and other loans
102
``% 9pZfekiXZk
Bai’Bithamin Ajil
Ijarah Muntahia Bittamilik
Diminishing Musharakah
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
50,710
15,590
473,479
64,804
32,736
332,845
539,779
430,385
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
[% =`eXeZ`e^#X[mXeZ\jXe[fk_\icfXejZfek`el\[
`m% 9pgifÔkiXk\j\ej`k`m`kp
Fixed rate
- Housing loans/financing
- Hire purchase receivables
- Other fixed rate/financing
m%
9pj\Zkfi
Manufacturing (including agriculture based)
Wholesale, retail trade, restaurants and hotels
Transport, storage and communication
Finance, insurance, real estate and business
services
Household - Residential
Other sectors
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
13,945
4,673
521,161
23,354
12,113
394,918
539,779
430,385
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
524,189
8,791
6,799
397,649
17,187
15,549
539,779
430,385
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
10,540
223
4,238
16,930
4,221
8,734
589
521,161
3,028
2,851
394,918
2,731
539,779
430,385
:`k`YXeb9\i_X[s)''08eelXcI\gfik
```% 9pkpg\f]Zljkfd\i
Domestic business enterprises
- Small and medium enterprises
- Others
Individuals
103
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
[% =`eXeZ`e^#X[mXeZ\jXe[fk_\icfXejZfek`el\[
m`% 9pgligfj\
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Purchase of landed property
Purchase of fixed assets excluding land and
building
Working capital
104
524,189
397,649
15,590
-
29,523
3,213
539,779
430,385
\% Efe$g\i]fid`e^ÔeXeZ`e^EG=
`%
Dfm\d\ekj`eefe$g\i]fid`e^ÔeXeZ`e^#X[mXeZ\jXe[fk_\icfXejXi\Xj]fccfnj1
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
At 1 January
Classified as non-performing during the year
Amount recovered
Amount written off
9,951
2,635
(758)
(1,613)
9,983
2,567
(2,599)
-
At 31 December
Specific allowance
10,215
(4,743)
9,951
(5,595)
Net non-performing financing, advances and
other loans
5,472
4,356
Ratio of net non-performing financing,
advances and other loans to total gross
financing, advances and other loans less
specific allowance
1.02%
1.03%
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
\% Efe$g\i]fid`e^ÔeXeZ`e^EG=
``% Dfm\d\ekj`eXccfnXeZ\]fiYX[Xe[[flYk]lcÔeXeZ`e^Xi\Xj]fccfnj1
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
At 1 January
Allowance made during the year
6,374
1,655
2,683
3,691
At 31 December
8,029
6,374
1.5%
1.5%
At 1 January
Allowance made during the year
Amount written back
Amount written off
5,595
877
(116)
(1,613)
5,367
469
(241)
-
At 31 December
4,743
5,595
As % of gross financing, advances and other
loans less specific allowance
Jg\Z`ÔZXccfnXeZ\
```% Efe$g\i]fid`e^ÔeXeZ`e^Ypj\Zkfi
Manufacturing (including agriculture based)
Wholesale, retail trade, restaurants and hotels
Transport, storage and communication
Finance, insurance, real estate and business
services
Household - Residential
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
4,275
28
4,774
461
501
5,912
1,035
3,180
10,215
9,951
:`k`YXeb9\i_X[s)''08eelXcI\gfik
>\e\iXcXccfnXeZ\
105
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
:`k`YXeb9\i_X[s)''08eelXcI\gfik
]% Fk_\iXjj\kj
Profit receivable
Other debtors, deposits and prepayments
Revaluation gain on profit rate undertaking contracts
(Note 38(s))
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
2,343
8,492
5,981
24,814
80,881
96,315
91,716
127,110
^% ;\gfj`kj]ifdZljkfd\ij
`%
9pkpg\f][\gfj`k
106
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
Efe$Dl[_XiXYX_=le[
Demand deposits
Saving deposits
Negotiable instruments of deposit
Other deposits
858,562
288,248
227,798
296,288
224,246
800
190,748
Dl[_XiXYX_=le[
General investment deposits
257,808
133,164
1,632,416
845,246
``% 9pkpg\f]Zljkfd\i
Government and statutory bodies
Business enterprises
Individuals
Others
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
374
1,057,132
602,481
307,163
242,765
267,747
1,632,416
845,246
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
`% @jcXd`ZYXeb`e^]le[j
Fund allocated
Fair value reserve
Retained earnings
a% @eZfd\[\i`m\[]ifd`em\jkd\ekf][\gfj`kfijË]le[jXe[fk_\ij
Income derived from investment of:
`% General investment deposits
``% Other deposits
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
217
69,920
23
276
307,984
1,025
80,881
96,315
151,041
405,600
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
20,000
885
161,327
20,000
18,485
124,723
182,212
163,208
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
36,388
6,602
46,882
5,664
42,990
52,546
:`k`YXeb9\i_X[s)''08eelXcI\gfik
_% Fk_\ic`XY`c`k`\j
Profit payable
Other creditors and accruals
Profit Equalisation Reserve (see Note 38(l))
Revaluation loss on profit rate undertaking contracts
(Note 38(s))
107
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
a% @eZfd\[\i`m\[]ifd`em\jkd\ekf][\gfj`kfijË]le[jXe[fk_\ijZfek`el\[
`%
@eZfd\[\i`m\[]ifd`em\jkd\ekf]^\e\iXc`em\jkd\ek[\gfj`kj
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
=`eXeZ\`eZfd\Xe[_`YX_
Financing, advances and other loans
Money at call and placements with financial
institutions
Income from securities available-for-sale
Income from securities held-for-trading
15,922
12,645
4,264
11,058
2
15,010
10,150
-
Accretion of discount less amortisation of premium
31,246
4,336
37,805
8,881
Total finance income and hibah
35,582
46,686
806
196
36,388
46,882
Fk_\ifg\iXk`e^`eZfd\
Fee income
Income from general investment deposits
108
``% @eZfd\[\i`m\[]ifd`em\jkd\ekf]fk_\i[\gfj`kj
=`eXeZ\`eZfd\Xe[_`YX_
Financing, advances and other loans
Money at call and placements with financial
institutions
Income from securities available-for-sale
Accretion of discount less amortisation of
premium
Total finance income and hibah
Fk_\ifg\iXk`e^`eZfd\
Fee income
Income from investment of other deposits
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
2,889
1,528
774
2,006
1,813
1,226
5,669
4,567
787
1,073
6,456
5,640
146
24
6,602
5,664
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
Specific allowance
- made in the financial year
- written back in the financial year
General allowance
- allowance made in the financial year
Bad debts on loan and financing (written back)/
written off
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
877
(116)
469
(241)
1,655
3,691
(149)
67
2,267
3,986
c% GifÔk<hlXc`jXk`feI\j\im\
The movement in Profit Equalisation Reserve is as follows:
At 1 January
Movement in the financial year
At 31 December
d% @eZfd\Xkki`YlkXYc\kf[\gfj`kfij
Deposits from customers
- Mudharabah Fund
- Non-Mudharabah Fund
Deposits and placements of banks and other
financial institutions
- Non-Mudharabah Fund
Others
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
1,025
(1,002)
1,829
(804)
23
1,025
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
11,810
3,681
20,175
3,694
74
38
79
105
15,603
24,053
:`k`YXeb9\i_X[s)''08eelXcI\gfik
b% 8ccfnXeZ\]ficfjj\jfeÔeXeZ`e^
Allowance for bad and doubtful debts on financing:
109
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
e% @eZfd\[\i`m\[]ifd`em\jkd\ekf]@jcXd`Z9Xeb`e^:Xg`kXc=le[j
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Financing, advances and other loans
Money at call and placements with financial
institutions
Income from securities available-for-sale
1,449
843
388
1,006
1,001
677
Accretion of discount less amortisation of premium
2,843
395
2,521
592
Total finance income and hibah
3,238
3,113
528
27,997
630
(2,714)
543
362
29
8,086
4,323
-
26,984
12,800
30,222
15,913
Fk_\ifg\iXk`e^`eZfd\
Gain from securities held-for-trading
Gain from securities available-for-sale
Fee income
(Loss)/Income from trading activities
Insurance premium and referral
110
Income from Islamic Banking Capital Funds
f% @eZfd\]ifd@jcXd`ZYXeb`e^fg\iXk`fej
For consolidation with the conventional operations, income from Islamic banking operations comprises the following:
Income derived from investment of depositors’
funds and others
Profit Equalisation Reserve
Income attributable to depositors
Income derived from investment of Islamic
Banking Capital Funds
Efk\
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
(j)
(l)
(m)
42,990
1,002
(15,603)
52,546
804
(24,053)
(n)
30,222
15,913
58,611
45,210
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
1,113
21
14
-
514
18
15
12
5
7
8
6
20
59
3
6,269
4,325
7,440
4,969
Included in other operating expenses is the Syariah Committee’s remuneration of RM 108,000 (2008 – RM108,000).
h% KXoXk`fe
Current tax expense
Deferred tax (income)/expense
:`k`YXeb9\i_X[s)''08eelXcI\gfik
g% Fk_\ifg\iXk`e^\og\ej\j
Personnel costs
- Salaries, allowances and bonuses
- Contributions to Employees Provident Fund
- Staff benefits and other compensations
- Others
Establishment costs
- Depreciation
- Rental
- Utilities
Administrative and general expenses
- Maintenance of office equipment
- Others
111
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
12,464
(164)
965
6,104
12,300
7,069
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZp
`%
K_\ZXg`kXcX[\hlXZpiXk`fjXi\Xj]fccfnj1
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
112
:fdglkXk`fef]KfkXcI`jbN\`^_k\[8jj\kjÈIN8É
Total credit RWA (Note (r)(iv))
Total market RWA (Note (r)(vi))
Total operational RWA
486,990
87,623
82,549
548,164
34,154
67,401
KfkXcI`jbN\`^_k\[8jj\kj
657,162
649,719
:fdglkXk`fef]:Xg`kXcIXk`fj
Tier 1 Capital
Capital Base
179,315
187,344
144,723
151,097
:fi\ZXg`kXciXk`f
27.29%
22.27%
I`jbn\`^_k\[ZXg`kXciXk`f
28.51%
23.26%
With effect from 1 January 2008, the capital adequacy ratios of the Group and the Bank are computed in accordance with
Bank Negara Malaysia’s revised Risk-Weighted Capital Adequacy Framework (RWCAF-Basel II). The Group and the Bank have
adopted the Standardised Approach for Credit Risk and Market Risk, and the Basic Indicator Approach for Operational Risk.
Disclosures are in line with the requirements of the Basel II Pillar 3 Concept Paper issued by Bank Negara Malaysia on 3 December 2008.
The minimum regulatory capital adequacy requirement is 8% for the risk-weighted capital ratio.
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
K_\Zfdgfe\ekjf]K`\i@Xe[K`\i@@:Xg`kXcXi\Xj]fccfnj1
>iflgXe[9Xeb
)''0
)''/
IDË'''
IDË'''
K`\i@:Xg`kXc
Fund allocated
Retained earnings
Less: Deferred tax assets
20,000
161,327
(2,012)
20,000
124,723
-
Total Tier I Capital (Core Capital)
179,315
144,723
8,029
6,374
187,344
151,097
K`\i@@:Xg`kXc
General allowance for bad and doubtful debts
and financing
:Xg`kXc9Xj\
```% K_\Yi\Xb[fnef]I`jb$N\`^_k\[8jj\kjÈIN8É Yp\ogfjli\j`e\XZ_dXafii`jbZXk\^fip]fik_\Zlii\ekÔeXeZ`Xcp\Xi
Xi\Xj]fccfnj1
E\k
\ogfjli\j
IDË'''
I`jb
n\`^_k\[
Xjj\kj
IDË'''
:`k`YXeb9\i_X[s)''08eelXcI\gfik
``%
113
)''0
<ogfjli\ZcXjj
>ifjj
\ogfjli\j
IDË'''
:i\[`ki`jb
On-Balance Sheet Exposures:
Sovereigns/Central banks
Corporates
Regulatory retail
Residential mortgages
Higher risk assets
Other assets
Defaulted exposures
1,202,775
85,425
761
519,721
169
12,649
3,893
1,202,775
83,342
761
519,721
169
12,649
3,893
22,491
411
207,310
254
8,189
3,935
1,799
33
16,585
20
655
315
Total On-Balance Sheet
Exposures
1,825,393
1,823,310
242,590
19,407
:Xg`kXc
i\hl`i\d\ekj
IDË'''
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
```% K_\Yi\Xb[fnef]I`jb$N\`^_k\[8jj\kjÈIN8É Yp\ogfjli\j`e\XZ_dXafii`jbZXk\^fip]fik_\Zlii\ekÔeXeZ`Xcp\Xi
Xi\Xj]fccfnj1Zfek`el\[
:`k`YXeb9\i_X[s)''08eelXcI\gfik
)''0
<ogfjli\ZcXjj
114
:i\[`ki`jb
Off-Balance Sheet Exposures:
OTC derivatives
Off-balance sheet exposures
other than OTC derivatives
or credit derivatives
Total Off-Balance Sheet
Exposures
KfkXcFeXe[F]]$9XcXeZ\
J_\\k<ogfjli\j
CXi^\<ogfjli\I`jb
I\hl`i\d\ek
DXib\kI`jb
Profit rate risk
- Specific profit
rate risk
- General profit
rate risk
Foreign currency risk
Options risk
Fg\iXk`feXcI`jb
KfkXcIN8Xe[:Xg`kXcI\hl`i\d\ekj
>ifjj
\ogfjli\j
IDË'''
E\k
\ogfjli\j
IDË'''
I`jb
n\`^_k\[
Xjj\kj
IDË'''
206,315
206,315
203,052
16,244
59,158
59,158
41,348
3,308
265,473
265,473
244,400
19,552
2,090,866
2,088,783
486,990
38,959
:Xg`kXc
i\hl`i\d\ekj
IDË'''
Cfe^
Gfj`k`fe
J_fik
Gfj`k`fe
675,754
-
-
-
7,010
-
87,623
-
7,010
-
87,623
7,010
82,549
6,604
657,162
52,573
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
:i\[`ki`jb
On-Balance Sheet Exposures:
Sovereigns/Central banks
Banks, Development Financial
Institutions & MDBs
Corporates
Regulatory retail
Residential mortgages
Higher risk assets
Other assets
Defaulted exposures
Total On-Balance Sheet
Exposures
660,524
660,524
-
-
2,296
161,460
5,331
394,980
142
8,821
2,938
2,296
156,277
2,356
394,980
142
8,821
2,441
459
43,965
1,767
161,466
213
5,630
2,811
37
3,517
141
12,917
17
450
225
1,236,492
1,227,837
216,311
17,304
115
Off-Balance Sheet Exposures:
OTC derivatives
Off-balance sheet exposures
other than OTC derivatives
or credit derivatives
259,721
259,721
256,613
20,529
121,537
121,537
75,240
6,019
Total Off-Balance Sheet
Exposures
381,258
381,258
331,853
26,548
1,617,750
1,609,095
548,164
43,852
KfkXcFeXe[F]]$9XcXeZ\
J_\\k<ogfjli\j
:`k`YXeb9\i_X[s)''08eelXcI\gfik
```% K_\ Yi\Xb[fne f] I`jb$N\`^_k\[ 8jj\kj ÈIN8É Yp \ogfjli\j `e \XZ_ dXafi i`jb ZXk\^fip ]fi k_\ gi\m`flj ÔeXeZ`Xc
p\XiXi\Xj]fccfnj1
I`jb
>ifjj
E\k
n\`^_k\[
:Xg`kXc
)''/
\ogfjli\j
\ogfjli\j
Xjj\kj
i\hl`i\d\ekj
<ogfjli\ZcXjj
IDË'''
IDË'''
IDË'''
IDË'''
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
```% K_\ Yi\Xb[fne f] I`jb$N\`^_k\[ 8jj\kj ÈIN8É Yp \ogfjli\j `e \XZ_ dXafi i`jb ZXk\^fip ]fi k_\ gi\m`flj ÔeXeZ`Xc
p\Xin\i\Xj]fccfnj1Zfek`el\[
:`k`YXeb9\i_X[s)''08eelXcI\gfik
)''/
<ogfjli\ZcXjj
CXi^\<ogfjli\I`jb
I\hl`i\d\ek
DXib\kI`jb
Profit rate risk
- Specific profit
rate risk
- General profit
rate risk
Foreign currency risk
Options risk
>ifjj
\ogfjli\j
IDË'''
E\k
\ogfjli\j
IDË'''
:Xg`kXc
i\hl`i\d\ekj
IDË'''
Cfe^
Gfj`k`fe
J_fik
Gfj`k`fe
405,917
-
1,749
140
2,592
-
32,405
-
2,592
-
34,154
2,732
67,401
5,392
649,719
51,976
116
Fg\iXk`feXcI`jb
KfkXcIN8Xe[:Xg`kXcI\hl`i\d\ekj
I`jb
n\`^_k\[
Xjj\kj
IDË'''
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
`m% K_\Yi\Xb[fnef]\ogfjli\jYpi`jbn\`^_kj]fik_\Zlii\ekÔeXeZ`Xcp\XiXi\Xj]fccfnj1
KfkXc\ogfjli\j
I`jbN\`^_k\[8jj\kj
Yp<ogfjli\j
Average Risk Weight
Deduction from Capital Base
Jfm\i\`^ej
Xe[:\ekiXc
9Xebj
IDË'''
<ogfjli\jX]k\iE\kk`e^Xe[:i\[`kI`jbD`k`^Xk`fe
@ejliXeZ\
ZfdgXe`\j#
J\Zli`k`\j
9Xebj#
=`idj
?`^_\i
D;9j
Xe[=le[
I\^lcXkfip I\j`[\ek`Xc i`jb
Xe[;=@j DXeX^\ij :figfiXk\j i\kX`c dfik^X^\j Xjj\kj
IDË'''
IDË'''
IDË''' IDË''' IDË''' IDË'''
KfkXc
\ogfjli\j
X]k\i
KfkXc
e\kk`e^Xe[ i`jb
Fk_\i Zi\[`ki`jb n\`^_k\[
Xjj\kj d`k`^Xk`fe Xjj\kj
IDË''' IDË''' IDË'''
1,202,775
-
6,527
80,727
-
1,506
-
74,940
1,758
155,763
-
684
122
90
381,839
162,816
2,571
3,798
-
218
4,460
8,189
-
1,207,235
74,940
381,839
171,785
2,693
249,983
308
14,988
133,644
85,893
2,020
249,983
462
1,202,775
87,254
1,506
232,461
896
551,024
218
12,649
2,088,783
486,990
0%
-
83,991
96%
-
1,506
100%
-
171,630
74%
-
568
63%
-
220,778
40%
-
328
150%
-
8,189
65%
-
23%
-
486,990
-
:`k`YXeb9\i_X[s)''08eelXcI\gfik
)''0
I`jbN\`^_kj
0%
20%
35%
50%
75%
100%
150%
117
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
:`k`YXeb9\i_X[s)''08eelXcI\gfik
`m% K_\Yi\Xb[fnef]\ogfjli\jYpi`jbn\`^_kj]figi\m`fljp\Xin\i\Xj]fccfnj1
118
)''/
I`jbN\`^_kj
0%
20%
35%
50%
75%
100%
150%
KfkXc\ogfjli\j
I`jbN\`^_k\[8jj\kj
Yp<ogfjli\j
Average Risk Weight
Deduction from Capital Base
Jfm\i\`^ej
Xe[:\ekiXc
9Xebj
IDË'''
<ogfjli\jX]k\iE\kk`e^Xe[:i\[`kI`jbD`k`^Xk`fe
@ejliXeZ\
ZfdgXe`\j#
J\Zli`k`\j
9Xebj#
=`idj
?`^_\i
D;9j
Xe[=le[
I\^lcXkfip I\j`[\ek`Xc i`jb
Xe[;=@j DXeX^\ij :figfiXk\j i\kX`c dfik^X^\j Xjj\kj
IDË'''
IDË'''
IDË''' IDË''' IDË''' IDË'''
KfkXc
\ogfjli\j
X]k\i
KfkXc
e\kk`e^Xe[ i`jb
Fk_\i Zi\[`ki`jb n\`^_k\[
Xjj\kj d`k`^Xk`fe Xjj\kj
IDË''' IDË''' IDË'''
660,524
-
2,296
6,217
100,146
-
800
-
140,389
(325)
218,444
146
2,356
267
316,949
145,925
3,538
2,354
-
248
3,191
5,630
-
663,715
142,685
316,949
151,817
5,894
327,374
661
28,537
110,932
75,909
4,421
327,374
991
660,524
108,659
800
358,654
2,623
468,766
248
8,821
1,609,095
548,164
0%
-
103,714
95%
-
800
100%
-
246,578
69%
-
2,167
83%
-
188,903
40%
-
372
150%
-
5,630
64%
-
34%
-
548,164
-
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
)''0
>iflgXe[9Xeb
EXkli\f]`k\d
Forward asset purchases
Gi`eZ`gXc
Xdflek
IDË'''
Gfj`k`m\]X`i
mXcl\f]
[\i`mXk`m\
ZfekiXZkj
IDË'''
:i\[`k
\hl`mXc\ek
Xdflek
IDË'''
I`jb
n\`^_k\[
Xjj\kj
IDË'''
31,602
-
31,602
31,602
Foreign exchange related contracts:
One year or less
Over one year to five years
Over five years
1,724,295
-
67,825
-
198,164
-
198,164
-
Interest/Profit rate related
contracts:
One year or less
Over one year to five years
Over five years
1,106,075
-
539
-
8,152
-
4,888
-
Other commitments, such
as formal standby facilities
and credit lines, with an original
maturity of over one year
Any commitments that are
unconditionally cancelled
at any time by the bank
without prior notice or that
effectively provide for
automatic cancellation due to
deterioration in a borrower’s
creditworthiness
Total
:`k`YXeb9\i_X[s)''08eelXcI\gfik
`m% K_\F]]$9XcXeZ\J_\\k<ogfjli\jXe[k_\`ii\cXk\[Zflek\igXikpZi\[`ki`jbf]k_\>iflgXe[k_\9Xebf]k_\Zlii\ek
p\XiXi\Xj]fccfnj1
119
55,111
-
27,555
9,746
3,494
-
-
-
2,920,577
68,364
265,473
244,400
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
*/% K_\fg\iXk`fejf]@jcXd`Z9Xeb`e^Zfek`el\[
i% :Xg`kXcX[\hlXZpZfek`el\[
m%
K_\F]]$9XcXeZ\J_\\k<ogfjli\jXe[k_\`ii\cXk\[Zflek\igXikpZi\[`ki`jbf]k_\>iflgXe[k_\9Xeb]figi\m`fljp\Xi
n\i\Xj]fccfnj1
)''/
>iflgXe[9Xeb
EXkli\f]`k\d
:`k`YXeb9\i_X[s)''08eelXcI\gfik
Forward asset purchases
120
Gi`eZ`gXc
Xdflek
IDË'''
Gfj`k`m\]X`i
mXcl\f]
[\i`mXk`m\
ZfekiXZkj
IDË'''
:i\[`k
\hl`mXc\ek
Xdflek
IDË'''
I`jb
n\`^_k\[
Xjj\kj
IDË'''
49,827
-
49,827
49,827
1,608,115
-
75,696
-
220,426
-
220,426
-
933,775
-
20,619
-
39,295
-
36,186
-
Other commitments, such
as formal standby facilities
and credit lines, with an original
maturity of up to one year
718
-
144
144
Other commitments, such
as formal standby facilities
and credit lines, with an original
maturity of over one year
143,133
-
71,566
25,270
2,735,568
96,315
381,258
331,853
Foreign exchange related contracts:
One year or less
Over one year to five years
Over five years
Interest/Profit rate related
contracts:
One year or less
Over one year to five years
Over five years
Total
Efk\jKfK_\=`eXeZ`XcJkXk\d\ekj
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Profit rate risk
- General profit
rate risk
- Specific profit
rate risk
87,623
7,010
32,405
2,592
-
-
1,749
140
Total Market Risk
87,623
7,010
34,154
2,732
j% ;\i`mXk`m\ÔeXeZ`Xc`ejkild\ekj
Foreign exchange related
contracts:
- Cross currency
Islamic profit rate
undertaking
Others
- Islamic profit
rate undertaking
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3,198,236
67,825
67,825
3,216,229
75,696
75,696
2,212,150
13,056
13,056
1,867,550
20,619
20,619
5,410,386
80,881
80,881
5,083,779
96,315
96,315
Note 38(f)
Note 38(h)
Note 38(f)
Note 38(h)
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121
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5*$()
dfek_j
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874,000
74,940
30,085
24,870
271,476
-
4,460
-
65,397
-
878,460
65,397
401,371
1.42%
1.92%
3.77%
5,324
-
1,479
-
24,905
-
204,844
-
370,455
-
(85,472)
5,472
1,718
91,716
-
521,535
5,472
1,718
91,716
4.02%
KfkXcXjj\kj
954,264
31,564
49,775
476,320
370,455
17,894
65,397
1,965,669
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Deposits from customers
Deferred tax liabilities
Other liabilities
851,412
-
-
118,122
-
22,262
-
241,778
-
398,842
151,041
-
1,632,416
151,041
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Islamic Banking Funds
851,412
-
-
118,122
-
22,262
-
241,778
-
549,883
182,212
-
1,783,457
182,212
KfkXcc`XY`c`k`\jXe[@jcXd`Z
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851,412
-
118,122
22,262
241,778
732,095
-
1,965,669
On-balance sheets profit
sensitivity gap
102,852
31,564
(68,347)
454,058
128,677
(714,201)
65,397
8JJ<KJ
Cash and short term funds
Securities held-for-trading
Securities available-for-sale
Financing, advances and other loans
- performing
- non-performing
Deferred tax assets
Others assets
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1.33%
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Cash and short term funds
Securities held-for-trading
Securities available-for-sale
Financing, advances and other loans
- performing
- non-performing
Deferred tax assets
Others assets
19,000
-
-
-
448,386
327,546
3,191
-
75,004
-
22,191
75,004
775,932
3.78%
5.93%
3.70%
332,658
-
5,722
-
8,915
-
1,656
-
125,345
-
(60,236)
4,356
127,110
-
414,060
4,356
127,110
6.09%
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351,658
5,722
8,915
450,042
452,891
74,421
75,004
1,418,653
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Deposits from customers
Deferred tax liabilities
Other liabilities
529,837
-
60,006
-
20,919
-
470
-
212,366
-
21,648
4,599
405,600
-
845,246
4,599
405,600
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Islamic Banking Funds
529,837
-
60,006
-
20,919
-
470
-
212,366
-
431,847
163,208
-
1,255,445
163,208
KfkXcc`XY`c`k`\jXe[@jcXd`Z
9Xeb`e^=le[j
529,837
60,006
20,919
470
212,366
595,055
-
1,418,653
On-balance sheets profit
sensitivity gap
(178,179)
(54,284)
(12,004)
449,572
240,525
(520,634)
75,004
2.34%
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